<prompt> Human: Hey all! Long time infrequent lurker, first time poster on this sub. 26yo male turning 27 this summer living in the Canadian Maritimes. I just moved back home last year after spending 2 years away at college. I have a job now and since Im fortunate enough to be living at home again, Im currently in a position to be saving money and finally getting started in life.Ive been working since July 2017 and a conservative easimate of my annual income would be roughly 30-40kyr. Since then Ive paid off all of my credit card debt several thousand incurred by the being a single unemployed student. Ive saved up 3,000 and put it towards financing a new car and buy several luxuries new gaming system, kayak, etc. to treat myself for doing well.I currently owe: 6,000 for my student loan monthly payment is approximately 100mo21,000 for my car loan. Financed in November 2017 for 6yrs, payment of approximately 340month.I currently have approximately 6,000 saved up and I want to be able to buy a house as soon as Im able to afford it. A decent house that Ill be looking for will fall in the 100,000-175,000 range. Id love to save up as much money for a downpayment as I can to minimize my mortgage payments. Here are my options so far:1- Pay off my student loan right now so I have one less loan to worry about should I try to apply for a mortgage. Downside of that is Ill be saving from nothing again.2- Pay off my car loan as soon as possible. I can easily have it paid off within the next year or two at the rate Im saving. The downside of this is Ill have no money saved for a down payment, but Ill essentially be debt free at that point.3- Continue making my monthly payments and save up money for the next year or two and have a decent down payment ready for my house. The drawback will be having 2 outstanding loans against me when applying for my mortgage. But Ill be debt free in 5-6 years regardless if I continue to make regular payments.I would really love to have my own place and bypass throwing my money away to rent an apartment completely. Whats the best way to deal with these loans so I can focus on saving as much money on a down payment as possible? Im tired of living at home, but its working in my favour financially.Advice? Thoughts? Ideas? Thanks!  <response>: I have nothing substantial to mention except your total car loan is more than 50 of your annual income - which is pretty high. 