<prompt> Human: We are 26 years old and I am 40k in debt from student loans and make 25k per year. She makes 96k per year and already has a pretty significant saving and 0 debt. I have a very terrible credit score while hers is basically perfect. She really wants to buy a house in a few years and start that loan before we get married so we can use her credit and ensure a low interest rate. And we live in AZ so if Im not mistaken our scores combine or something. I havent been able to find info on that and it confuses me. Thanks!  <response>: Shell get a better mortgage buying a house on her own than she would get applying jointly with you. Your bad credit score and high debt-to-income ratio both count against you.She should buy the house herself and leave you off the mortgage and the deed until your debt is smaller and your credit score and income are both higher. 