<prompt> Human: My wife and I have credit card and student loan debts. We also want to save up for a house. We are not struggling with making debt payments but we would like to pay off our credit cards early, but at the same time, we want to save up for a good down payment on a house without paying the mortgage insurance. Should we pay off our credit cards sooner or should we put it into an account to grow and save for a house? If we choose the latter, what account is best? Money market, CD, high yield interest savings?  <response>: Pay off the debt. Less interest going out, you can save faster, and the longer that debt is gone, the better shopping for a mortgage is gonna go 