<prompt> Human: Hi there rpersonalfinance I am looking to marry a wonderful girl this October and am in need of some financial advice. I have a few debts that I have the money to pay off, but dont know if I should because I dont know how it will affect my credit score. I can still save up for a down payment on a house, but dont know if paying off debts on a financing plan early will cause a drop or increase in my credit score. I have good credit in the high 700s to low 800s. My fiancé doesnt have much of a credit history so we will probably have to put the house under my name. I would like to get rid of the monthly payments so that I have a larger percentage to set aside specifically for the house. Plus Id just like to be out from under as much as I can. Ill still have school loans, but there is no way Ill have enough to pay those off before the big day. Any help would be appreciated. Thank you. Edit: combined we make a approximately 60k a year and have a round 12k between us saved. I can probably have around 10k more saved by June or July, but the house we are looking to buy is only 120k so we would only need around 12k for a down payment. I have about 6k of debt that I am looking to pay off and have the money for. They are 0 interest rate as long as I finish paying them before the loan period. I just want to pay them off now instead of waiting.  <response>: Itll be hard for anyone here to be able to give you advice on what to do when you completely left out every aspect of your finances. Youll need to list out what your debts are and at what interest rate, what your and your fiances income is, how much you have saved already for a housewedding, how much youre looking to spend on a housewedding etc. 