<prompt> Human: 28 years old. 65k a year. 40k in student loan debt and another 20k on a car loan. Excellent credit.I am making good payments on my student loans, hopefully paid off in 3 years, and my rent is hella cheap right now. What are some things to look for and consider before making official inquiries?Thank you for any advice!  <response>: When your student loan debt and car debt is paid off and you have an emergency fund and you have 20 down you can buy a house. No CC debt either. 