<prompt> Human: The current principal on my student loan is 12,807.42 All interest rates are fixed and the breakdown is as follows690.18 3.150, 140.41 6.550, 3,518.34 3.150, 2736.93 3.610, 1983.63 3.610, 19.51 4.410, 3611.36 4.410, 107.06 4.410Im currently taking home about 3000month and I have about 21k in available cash saved up in various accounts and have a credit score around 770.Luckily my monthly expenses are pretty low atm with an Average of around 600month between monthly loan payment, insurance, phone, gas, gym and union dues.I was hoping to be able to buy a home soon, and I am not sure if I should rid myself of this debt before taking seriously looks at houses, or hold onto the cash to be able to afford a down payment. I believe paying it off would set me back quite a bit from my goal, however, being able to use the money Im putting into my monthly student loan payments for a mortgage would be nice. So I am not exactly sure which route would be best as I work towards my goal. Thank you in advance rpersonalfinancex200B;  <response>: Id get rid of the student loans before taking on more debt aka house mortgage. If something were to happen and you couldnt work for a while, that would be one less bill to pay. Student loans cannot be discharged in bankruptcy, so you are going to pay for it one way or the other. If things go well for you it probably wont matter which you do first, but if you have the misfortune of having things go wrong, youll be glad you didnt have a mortgage AND student loans at the same time. 