<prompt> Human: Hello PF Redditors,I am a long time lurker and wanted to reach out for advice on coming up with a strategy to accomplish some financial goals.I currently have a very large cloud over my head in the form of student loan debt, most federal and some private. The federal loans are about a total of 89k and the private are 13k. The interest rates are between 5 and 8 percent for all I believe. Most of this debt was acquired due to career change as I graduated with a BA in Mass Communication and went back to grab a MS in Computer Science. I am still in school with just 4 courses to go but this is all now covered through my works tuition reimbursement.So now I will do my best to give you the details of my current financial situation. I work as an application developer for a large bank. My base salary is 76k with around a 20 bonus each year in February. I currently do a split 2 traditional and 2 Roth for my 401k with a 4 employer match. They also have a pension which is about another 4 each year. My wife is an RN but has moved on to work in healthcare as an implementation coordinator for an EMR platform. She makes 72k per year with no current incentive structure. She is also doing a 5 traditional 401k for a 4 match.We do a very separate type of financial arrangement where we split everything according to income ratiohers vs mine and pay a portion of the fixed bills based on this. I will list out our joint bills then mine then hers. Go easy weve been a little to spend happy before recently. :Joint:Rent - 1400 per monthElectric - 200 per monthWater - 60 per monthCableinternet - 140 per monthFurniture 5000 owed 0 APR - 250 per monthGroceries - 500 per monthCell phones plus sons ipad - 230 per monthTrash - 20 per monthWe spend a ton eating out and doing things so I would say entertainment is around 800 per month.Me:Car Payment 5000 owed 4.1 APR- 300 per month100 more than paymentCC Debt 20k 0 APR 18 months - 900 per monthEngagement ring and weddingCar Insurance - 100 per monthWife:She is near debt free and I cant really think of her current bills.With all of this being stated, my wife currently wants to look into a house. We have around 15k saved and we can get something in our area around 180k. I also am going to begin to start payment on my student loans. The student loans are my burden and I will be paying them without money from my wife. We have agreed to keep finances extremely separated in this regard as I acquired these before marriage. Would purchasing a house at this time be worthwhile? Would this hinder my ability to attack those student loans? The immense rent we pay makes this area difficult.I know there are significant cuts I need to make I guess I just need help prioritizing where I need my money to go.Assistant: Not only do you have over 100k in student loan debt, you have 20k in consumer debt. Youre in no position to buy house right now.Human: Maybe they could bring a third business partner into this joint-venture theyve set up. Sheesh OP: Of course your wife thinks buying a home is a good idea. You two literally dont live the same life and her life is one with little debt and a good income. I will never understand how you can be married to someone and now we are one, yet live separate financial lives. Of course youve run into a complication like this. Its a direct result of the arrangement and the poor financial habits.Assistant: OPs debt isnt a direct result of their arrangement. Its a direct result of his education debt. They have about the same income, but the wife doesnt have the student loans.If the wife was asking for advice here, would PF advise her to use her wages to pay off the husbands school loans? I doubt it. Human: Its a very tough situation to which I dont know how to answer. I feel its very difficult for me to expect she take on my debt. Its also my responsibility to start taking control of my financial well-being and down the road, when I am making morefingers crossed, she will understand what my education was for. These are both great perspectives from each side.  <response>: If you are running finances as roommates, then you are in very different standards of living. You cant afford to go out at all, if this debt is solely your burden. You cant afford name brand cereal. You cant afford a coke at the machine.She should have way more savings if you have all the debt and she has no expenses, but the money is all gone anyway.Whether that is fair is a question for rrelationships 