<prompt> Human: I need advice. Ive consulted several people and no one ive spoken to can give me a good answer.I have approx 10k in IRS debt, approx 2k in CC debt over 3 ccs that are maxed out and maybe 300 in medical bill debt.Im frugal, rent a shitty apartment and my truck is paid off. If I didnt have the CCs and medical bill debt, id be able to save approx 200-400 a month. Im slowly, but surely, paying off the CCs - its taking forever and hindering other bills getting paid, which in turn is causing more debt due to overage charges, late fees, etc. I cant catch up.I also want to buy a house this year, because a mortgage will be cheaper than rent. I was considering selling my truck which is worth approx 4k and paying off my ccs, medical bills, and getting a loan for another cheap, used car. THEN try to get a debt consolidation loan to pay off the IRS and maybe even the car, too.Thoughts? Is this a dumb idea? Am I screwing myself? Do I need to jump off a bridge?  <response>: The expectation that you want to purchase a home, but dont have the assets already accumulated to either pay the downpayment or your debt is one you should reconsider. If you were able to buy a home this year youd just pay the IRS and credit cards with the savings you already have. 