<prompt> Human: I have roughly 110k in student debt M, 29. My wife F, 29 and I are currently paying it down at 1250month and plan to increase that to 2450 in October 2017. Once our car payment ends in May of 2018, we plan to increase that to 2850month. I have 4 loans all with interest rate of 3.5 and I have one loan that has an interest rate of 5.25. I am making the minimum payment on the 3.5 interest rate loans, and putting the rest towards the 5.25 loan to pay it down faster. I have looked into re-fi but the interest rates are too low for it to make sense based on what I have seen. Based on these number I have us paying off the loans completely sometime in 2020. We bought a house in 2013 before housing prices started to soar in our area. Our real estate agent feels confident about getting roughly 550k for our house, based on the other transactions in the area. This would leave us 200k in profit after paying off the balance, paying closing costs, realtor costs, fixing items etc. We both have stable jobs, she is a Nurse Practitioner and Im a civil engineer. She also has a side gig that contributes 900 towards the student debt payment I mentioned earlier. That number could fluctuate however its been steady for a least a year now. The question is, do we sell the house and pay down my debt and pocket the extra income now? Or do we wait the 3-4 years and pay down the debt per our plan? The potential sale price of our home could keep going up, stay the same or go down. We cant exactly predict the future. If we sell we would have to rent, which could be higher than our current house payment. We do want to move to a better school system, however we dont plan on having kids in school for at least 5 years. Personally, I think that real estate in our area will continue to grow or stabilize and we could sell our house for maybe around 550k in 2020. Where we want to buy prices are rising as well, and I think we would maybe need to spend roughly 750k - 850k for the future home. My wife and I go back and forth on this all the time. I appreciate your input. Thanks!  <response>: first off, nobody needs a 750k dollar home. Idk your situation, and Im not one to tell people how to spend, but I feel that assessing how much you need to spend on a new house could make this decision easier. 