<prompt> Human: Hi All,Ive been debating over this for months, hoping to get some additional opinions here. Im considering a house in the next few years ballpark of 200k, with no immediate plans to buy one at this point. At the same time, Id love to be rid of my student loans for good. About a year and a half ago, my remaining private student loans see below were 3 interest, and I was content to pay the minimums for as long as they stayed at that rate. They have since moved up to 4.5, making me consider wiping them out. Paying off loans all at once right now pay minimums on loans while continue saving for 20 down payment closing pay more than minimums while continuing to save at the same time. Is there a correct answer which path to take here? Or does it just depend on when I want to buy vs how much I dislike having the remaining student loans? What would you do and why?The highlights: 30yo 88k salary 160k in retirement 16 to 401k, 5 match, max roth ira 48k in cash 14k student loan debt remaining 4.5, 200 monthly payment was 3 about a year and half ago, obviously variable  <response>: If you have 48k in cash and 14k student loans, you should pay the loans off immediately. Youll still have a generous emergency fund and with your income, youll have 20 down payment saved in no time. 