<prompt> Human: Hi. Hoping I can get some advice. To avoid the ramble, heres the gist:Professional school set me back 280k Loans have been deferred until June 2017. Half are govt, half are private. Govt loans are in IBR, which is set to expire. Re-applying now. If the full brunt of student loans hit, it would cost me very likely 3000mo. Wifes masters set us back 20k I make 100kyear Looking for part time work to help supplement income Wife makes 45kyear as a contractor. If she stuck it out at her current job another year and was hired into her industry, her income would very likely double. 2.5 year old in daycare for 900mo. 2nd baby due end of April, which means losing wifes income for probably 2 months after she runs out of sick and vacation time. Once wife returns to work, if we send our infant to the same daycare as my toddler, total daycare costs will be 2100mo. Weve already paid a deposit to hold her a place there, but 1200mo for an infant seems INSANE, and Im actively looking for a friendneighborrelative who would be willing to watch our infant for like 30day. Rent is 1100mo, but owner wants to sell the house by summertime. Weve considered buying it for 150k, which is in line with what we think we can afford and is actually a decent price for the neighborhood, but the house was built in 1940 and needs some work, which means putting money we dont really have into maintenancefixing things. The house is also a bit small for our wants, but we can make it work if needed. TLDR: We have 20k in liquid assets. No car payment. No revolving credit card debt. We need a more permanent living situation. Net income 7200mo Rent, utilities, food 2000mo Daycare 2100mo come August Student loans possibly 3000mo come JuneHow fucked am I?Assistant: Why do you need a more permanent living situation? Renting is fine if you cant afford to buy. And you cant right now. You have no down payment- in fact you have negative money. And you want to keep piling on the debt with a mortgage? Bad idea. Pay down the student loans to a manageable amount say 1x your income or less and then re-evaluate. Human: need a more permanent living situation because landlord wants to sell the house, so we very likely have to move unless we buy it or he wants to sell to an investor  <response>: So move to another rental. You arent ready to buy. 