<prompt> Human: I am 25 years old, making 35K per year, 2K in credit card debt, 12.5K remaining on my car, and 80K in student loan debt. My take home after taxes is 1K per paycheck. My student loans are 1K per month. My current rent is 300 per month, and I have no other home related expenses cable, internet, etc.... The homes Im looking at range from 50K to 80K. How shall I approach this if my goal is home ownership by 112016?  <response>: Youre in no position to buy a home. Pay off the student loans, build up a emergency fund and 15k deposit. Then go buy one. 