<prompt> Human: Long story short, Im 24 and graduated college early in 2012. Couldnt find a job in my field so I ended up taking a commission based sales job. 2012 sucked and I only made 30k. Last year was better and I hit 100k. This year Im on track for 150k.I have about 100k in student loan debt spread over four loans. 3 loans are government loans and are all between 6-9k. The fourth loan is a 75k private loan on a variable rate. My only other debt is a credit card I pay off every month and a 230 car lease that is up at the end of the year. I was late on the 75k loan in 2012 when I wasnt making much money. I moved out of my parents house last year. Renting now for 800mo. I had to have my credit pulled a bunch of times when I was putting utilities in my name and I tried getting pre-approved for a mortgage earlier this year so between all the pulls and the late payment, my score is mid-600s. The mortgage guy I talked to said he had to use a two year average of my commission so I couldnt qualify because of the low income in 2012 and my credit being so bad. Ive got 25k in my 401k, 30k cash in the bank, and I want to buy a house at the start of next year when my two year average is better. I also want to buy my car out right when the lease is up which will be about 17k. I tried refinancing the 75k private loan yesterday so the late payment doesnt show up and to get it out of my dads name but I got denied and only another credit pull to show for itSo I want to pay off some of the massive student loan debt, get my credit score up, buy my car at the end of the year, and buy a house next year. Any tips? Im paying the minimum payments on all of my debt so I can put as much of my paychecks into savings as possible. I feel like I dont make enough money to save as much as I want and still pay off the debt.  <response>: Whats your interest rates on your loans? You said the private loan at 75k is a variable rate, which is concerning, especially given that you said this in your other post: Would it be better to get a bad rate next year than a good rate in two years when rates will be higher?If your assumption is that interest rates for your mortgage will be higher in two years, then you must also assume that your student loan variable interest rate will also be higher. Meaning that youre not saving anything by rushing into a mortgage now. This could easily make your monthly payments go out of control and youre setting yourself for a situation where youre going to be holding onto the student loan debt for years to come - it will also make getting a mortgage more difficult. I feel like I dont make enough money to save as much as I want and still pay off the debt.Why would you want a mortgage debt to add onto that? If youre fortunate enough to be in a position to be making a significant amount of money, cut back dramatically on your lifestyle expenses and devote all extra money towards the private loan before even considering a mortgage. This will save you a lot of money in the long term. 