<prompt> Human: Hi rpersonalfinance! Im here to seek some general advice, Im not in dire financial straits, just a place that is confusinguncertain.My current situation is that I have a good job 50kyr, 12k in student loans, 4k on a car loan, and am paying 500mo for rent. I have approximately 30k in savings which is probably the part Im most conflicted about.Im trying to save up for a down payment on a house, but I get a lot of conflicting advice that says I should pay my student loans or car loan ASAP. Im ahead of schedule for payments, but I dont want to spend it all on clearing the loans I realize that would be a good thing and then wait around forever for my savings to be built back up. I also feel that by buying a house, I would no longer be spending money on rent and it would go toward equity in something that I own house.Can you offer some advice on this decision? Should I: Keep making payments on loans and save for a down payment-or- Pay off the loans now and wait a while to build up my savings  <response>: The way I treated it was really a function of when you want to buy a house. Because having some amount saved up is responsible to absorb risk of declining values, not to mention it saves on PMI, you really should have a goal amount saved up by the time you buy. So set that goal, figure out what you need to save for it, and then put anything else you can towards your loans or however you want to time it - you can do 100 towards loans now and then divert towards a home a year or two before you buy. Its okay to have a home and student loans if thats how you want to prioritize it. 