<prompt> Human: Read the FAQ but hoping for some tailored adviceWife: 100k debt from both fixed federal loans and variable private loans. Income unknown right now as shes a 3L and looking for employment, so not sure what to tell you hereMe: dentist, no loans, my first year income is tough to determine since it will be based on production, but itll be about 80-90k for first year and steadily increase. Id estimate my second and third year income anywhere from 100-140k. If I attempted to partner up or buy practice, would probably be higherGiven our income and age 26 and 27, would it be ideal to refinanceconsolidate our loans into one monthly paymentSecond question: since renting is basically throwing away money and we want to own a home or condo sometime soon, do you try to pay off loans ASAP with no regard to saving for home...or pay minimum on loans and focus on house? I guess wed also be unable to put away money for Ira or vanguard investments as the loan interest and home would take priority?Thanks so much for your help guys. This subreddit is the best, and Ive already learned so much from lurking  <response>: Second question: since renting is basically throwing away moneyUntil you learn why this isnt the case, youre not ready to own real estate. 