<prompt> Human: Hello all, long time lurker, first time asking for help.As the title implies, i am trying to buy a house and am having some difficulty getting it.A quick overview of my situation.-my median credit score is 655, high is 682, low is 628.At the time this report was pulled I had 46k in credit card debt, but 40k will be paid off by this week. -I have 440k in student loan debt yes you read that right. I chose to go to a private dental school which cost a lot more than state schools, but I am very pleased with my training compared to some other dentists that I have worked with -I am on the IBR program for loan repayment and my current monthly payment is 240. My loan officer told me that most programs will not consider my IBR payment for my D to I ratio and will take 1 of my total debt instead.-My monthly income is 5500 after taxes. However 2000 is from a part time job. I started both jobs in June 2016 and they said they cant consider my income from the part time job without a 2 year employment history. -I have 25k for a down payment available. Sooo... Thats what the lender is looking at and I know its not pretty at all...Let me explain how I got myself into this mess. I graduated from dental school in 2014 and was working and enjoying life outside of school when all of sudden I knocked up my wife. She insisted we move back to her home state and city of Atlanta GA to raise our baby and we moved in January of 2016. In order for me to get a dental license in GA, I had to take another board exam which cost me about 8k and apply for my license. I got my license in June 2016. During this time of purgatory I had to drain my savings and depend on my credit card. Which led to my ridiculous credit card debt and many sleepless nights and hopelessness. A couple weeks ago I finally broke down, swallowed my pride, and told my parents my situation and they have offered me their help. And that brings this whole situation up to date.The reason why I am trying to move right now is because I am currently driving 1 to 1.5 hrs to work one way. The 2 to 3 hours of commute a day is killing me. Also we are living at my mother in laws house right now, and as thankful as I am for her help, we are getting cramped in here with 3 adults, 1 baby, and 4 dogs.I have considered renting, but it looks like renting will cost 1.5 to 2 times more than a mortgage payment for the kind of space we need. So basically what I need to know is this: what are my chances to getting approved for a loan; and if I cant get a loan, what do I need to do to increase my chances of getting an approval?Thank you in advance for your help and advice  <response>: The last thing you need right now is to go buy house.I have 440k in student loan debt yes you read that right. I chose to go to a private dental school which cost a lot more than state schools, but I am very pleased with my training compared to some other dentists that I have worked withDont rationalize yourself into thinking you did something smart here. You didnt.If you need to move out, go rent a small place. You and specifically your wife need to learn to live below your means. No bank in their right mind would take second position behind that much student loan debt. 