<prompt> Human: Hi,Im a 24 year old male with a decent job 62Kyear, that is consistently increasing and a long term SO that is about to be my fiancee. She is in a professional school program and will graduate in May of 2017. Jobs after graduation should be in the 100K-120K range. I was wondering if upon her graduation if it would make sense to buy a house even if we did not have a 20 down payment ready. My thinking is we will both a solid jobs and would buy something we can afford but also trying to take advantage of historically low interest rates. I know rates my change by that time but I doubt by much. I know the first comments will be that we should be saving now but with our current arrangement I pay pretty much all living expenses and there isnt room for a whole lot of savings at the moment. Also, she will graduate with approximately 150K in student debt. So PF what do you think?  <response>: No I wouldnt buy a house with a 120k debt over both your necks.Spend 2 years clearing the debt, save for a year, buy a house.You want this house to be a blessing, not a nightmare. 