<prompt> Human: 34 years old, made horrible financial decisions in my 20s including credit cards in college and unsecured lines of credit after college. In Dec 2010, I realized how bad the situation was: 45K at 15, 11K at 10, and 22K of student loans at 4.25. I made too much to file for bankruptcy, and besides the enormous debt, my credit history was spotless. My only choice was debt management Nova Debt. They talked BofA into bringing the 45K down to 10, had me cut up the credit cards, and made a payment plan to pay off the 56K in 5 years. 3.5 years later, the 56K is nearly paid off. I still have 18K of student loans at 4.25, a car loan at 0, and a credit card I pay off every month. TL;DRId like to start saving for a down payment on a home, but wondering if I should aggressively pay off the student loan first. Ive always paid 200mo against student loan, I could either increase that to 2000mo or start saving 1800 for down payment.Thanks in advance for any and all advice!!  <response>: If I were you, Id aggressively pay off the rest of the loans and then start saving after you owed nothing to anyone. The relief you will have to have it all done is enormous, and it would keep me keep you motivated in your shoes. 