<prompt> Human: Im in an interesting situation and recently have been wondering if Im approaching it from the wrong direction.In brief, I had 30,000 in student loan debt; loan summary below:Direct Unsubsidized Stafford - 5,800 6.550 fixed Direct Subsidized Stafford - 1,400 3.150 fixed Direct Unsubsidized Stafford - 5,000 6.550 fixed Direct Unsubsidized Stafford - 6,200 6.550 fixed Direct Unsubsidized Stafford - 6,800 3.610 fixed My parents have given me the option of either paying off my student loan debt entirely, or gifting me 30,000 to put a down-payment down on a house. I should be ready to make this purchase within the next 2 yearsFor the past 2 years, I have chosen to pay off the loan debt myself, and wait until Im ready to purchase a home to put down the 30,000. I have a current balance of 25,300. Am I going about this the wrong way? Would it be a smarter move to pay off the loan debt now and try to save for a down-payment? My concern is that my fiance and I wont be able to save a large amount of money to put a substantial down-payment down on a house if I did elect to pay off the debt. Im curious to see what this sub thinks of my strategy. Im starting to doubt the direction Im currently taking.  <response>: Pay off the student loans first. They will only continue to be a hindrance when applying for and paying for a mortgage. Once the loans are paid off it should be easy for you to save up a down payment on your own. 