<prompt> Human: Ok, I am 31 years old, and am finally settled into my career. I have moved from SoCal to Las Vegas to actually be able to afford a home and life. I really want to purchase a home with my boyfriend. Everyone is saying the housing market is great but is going up and now is the time to buy. I know I need some time to get my finances straightened out, and to be honest, I have never budgeted in my life. I make 48,000year and my boyfriend makes the same. I have 7,000 in CC debt.9,000 in personal loan debt.64,000 in student loan debt.My credit score is 650.I have my student loans in forbearance, because since I graduated, I havent been in the position to start payments. I am actually terrified of this debt. My CC are maxed out, so I know I need to tackle those. I am just so lost on where to begin and if buying a home is even an option for me. Any advice on where to start? Can I still get a mortgage with this much student loan debt? The dream is to be ready in 1.5 years.  <response>: I really want to purchase a home with my boyfriend. Let me just stop you right there. Get married before you buy a house with somebody. And if youre still going: I have my student loans in forbearance, because since I graduated, I havent been in the position to start payments.Please get serious. You cant even pay your student loans and youre wondering if you should buy a house? Also you have 7k in credit card debt and another 9k in personal debt, plus your credit score is not that hot. I have never budgeted in my life.Well, you did say it was a dream. It will remain that if you are not willing to budget. You need to slash spending to the bone and get all your debts paid off. You could do that within 3 years if you are willing to stop doing the sort of things that got you 18k in CC personal loan debt. Drive a crappier car, stop buying new clothes, never go to another restaurant for the next two years, etc. 