<prompt> Human: My husband and I have two children and an income of 100k. We were pre-approved for 400K mortgage but we cant afford it with the amount of debt we are aggressively paying ccmed bills 9k, all on 0 interest and on track to pay off by 1218 and the debt we are paying min payments on car loan 4k, student loans 150k on IBR. We have 1k in our savings and no downpayment. We are paying 1700 in rent currently for a 1000 sq ft apartment for 4 people. Needless to say its not much space for the money. We are in Longmont and I cant find a house with 3br under 2kmo to rent, and to buy we would be lucky to find something in the 350-380k range. The problem is it will take forever to save 20. My kids will be teenagers. Obviously the student loan my husbands BachelorMasters death combo which gained interest for 10 years on deferment is a disaster but Ive done what I can to mitigate that for now and get it on IBR so the payments are doable.My question is, are there any options for my situation to get my family into a house and not throw money away on rent? I cant even find a 3br townhouse here under 300k. Weve always had low rent for the last ten years under 700mo and now thats double because we are in Colorado. His wage has gone up but honestly its not much help with the rent and debt. Im assuming buying a house without a downpayment is impossible anyway?  <response>: Pay off your debt. Save for an emergency fund. Save for a downpayment. Buy home. Any other path will lead to misery. 