<prompt> Human: We are 28, married for 2 years and settling down in a medium col city where we know we want to be long term. Wife has stated her womb will be ready at age 30. Only debt is 135k student loans at 6.21 effective...Only...sigh. We are working on refinancing to lower that rate. No car payments, no CC debt. We take home 10000 per month. We put 1500month into 401k to get matched plus a little extra. Rent is 1500. We spend a budgeted 4000 a month on other living expenses. That leaves 3000 per month to work with. 1000month is due for student loans.We also have pretty liquid 40k in personal savingsstockscrypto that I plan on using for a down payment.Each month I struggle to decide what to do with that 3000 leftover. I feel my options are to aggressively pay off student debt more than the 1000 due each month or continue to save for a down payment.The other piece I mull over is deciding how much house we canshould buy. I figure 300k would be fine as monthly paymentscurrent rent. 350k probably ok. 400k pushing it. The problem is 300k is probably a starter house that we outgrow in 5 years. A 400k house well have over .5M in mortgage student debt- which terrifies me. Also the housing market continues to be hot and I worry about a bubble. Not trying to get burned on a house losing value.Anyone have wise advice on student debt payoff vs. save for house balance? Or home buying considerations at this stage of life in general?  <response>: Pay the loans. A mortgage is just more debt 