<prompt> Human: Hi PF! Long time lurker, love you guys! Ive got a bit of an odd situation I hope you might help me clear up.Heres the details: Ive just been offered an opportunity to be the second half of a joint mortgage. The second party very close fam member - has th 20 down payment. I have a cosigner with excellent credit that will guarantee I am approved. I have to move very quickly on this offer.Heres MY financial status Digging my way out of some financial missteps. New job Location starting this month has me making about 3k-4k AFTER living expenses. Total Debt: 20k 9k Credit Card Debt - 16.74 interest - Card is at about 90 capacity 4k Medical Debt - In collections - monthly payment plan in place, 200 a month 3k Personal Loan - No missed payments - 16 interest 7k Student Loans - Missed a payment 4 months ago - 10.2 interestIm going to have to move on this mortgage opportunity within a couple months or its off the table. Lots of weird details, but essentially Im needed to help split this mortgage regardless of my mediocre credit and current debts.Im trying to figure out the best course to pay these debts off with the following in mind: My medical debt and credit card debt are negatively affecting my credit score, Ive been assured that the cosign will still get me on the mortgage, but Im wondering if these items will affect the mortgage regardless of the cosigner Once the house is bought, Ill be spending about 1200 more a month in living expenses. Which is within budget, but Ill only have a couple months to put all that into paying off these debtsIs there any important information Im missing? What order should I tackle these debts in this situation?If youre worried about the personal stuff surrounding the mortgage situation being a factor, I assure you its all good. Its been very well ironed out.Thanks for any help gang!UPDATE - Sorry acciddently put as a reply:Aright, I guess Ill have to explain a little more.The mortgage is for a new home for myself with my Aunt helping me get into it.Shes sick and needs someone around to help her. She lives in the city and up until last month I was helping her out, but my rent increased 500 bucksmo and I just couldnt justify staying there. So now Im about 8 hours away paying no rent and living on rice and beans to pay off things fast.Shes sold her house, and before moving out of the city herself she wanted to offer me an opportunity to get into my first house, move back to the city I just left, and all for less than I was paying in rent. This helps her because she wants to stay for a couple more years as well.The idea is that she would essentially be helping me get into a home without me having to put the down payment down or pass the credit check. She wants me to just slowly buy her out of her share of the mortgage as my debt clears up. This isnt an investment for her in any way, just wants to help me get out of the rental BS happening in the city.I was making progress on the debt already while living in the city, although it was slower. So the way I see it theres a lot of benefits. The only downside is that I cant pay THIS debt off as quickly.  <response>: Can you explain how a joint mortgage is an opportunity for you and why you have to move so quickly? 