<prompt> Human: Hi PF, I got married about a year ago and am 23 with no debt of my own, no car payments, and am currently renting a place with my wife for 1000 a month in Central PA. Take home after taxes is 4100 a month. This is after meeting our max employer match for both of our 401k plans. My wife graduated school a year ago same time as me with 10k of government student loans 4 interest which we worked hard to pay off in 7 months in order to get it done before interest started to build. The remaining 60,000 of my wifes school was paid for by her parents, and they are being generous and not charging us interest on this money, they just expect it to be paid back before they retire in 15-20 years. My question is how should we best tackle this amount of repayment without sacrificing investing in the stock marketIndex funds and saving for a house downpayment for the near future? Looking at prices in the area, houses run 225-300k for the size location we are in, so in my head, we need a fairly sizeable 50k or so downpayment to avoid PMI when we look to purchase something down the road. I think we are in a good financial position overall, but do not want to be paying In-Laws back for years with no savings for ourselves or a house down payment. How would you divide our cash flow? Thanks!  <response>: Give your parents 500month for 10 years. Everyone has to make choices about whats the most important to them. Is it more important to you that you buy a mega house soon? Or is it more important to pay your parents back in a timely manner? Or is it more important to shovel as much money as you can into your retirement funds? Good luck! 