<prompt> Human: So I have about -45k in student loans to pay. Ive saved about 35k because I want to buy a house within the next year or so. Is it a smart mover to keep the money for the house or should I pay some of that into the student loan? Im trying to avoid paying the PMI and know that I need some to put down, closing g costs, lawyers, etc. Is there a magic number?I should add a house in my areabudget is in the 200k-225k range Assistant: I think it would highly depend on the interest rate of your student loans. Also what your income outlook is for the coming years. Human: Im paying roughly 7. If I were to take the full term to pay it back I think it would be around 85K ish I would be paying. Right now I make 75k with a usually 6 raise in the summer. Also down the road I might be able to get bonuses that could be of decent size. Between the two loans that i have though Im paying 4-5 hundred a month. Would be nice to cut those down but if Im just switching them for an extra 2 hundred dollars that Im just throwing away on PMI Im not sure it would make sense  <response>: Would be nice to cut those down but if Im just switching them for an extra 2 hundred dollars that Im just throwing away on PMI Im not sure it would make senseHave you considered not buying a house? Why the rush? The 7 interest on the student loans is high enough that I would focus on eliminating that debt rather than incurring more. 