<prompt> Human: I currently pay 710 a month in rent. Income is about 2200month and student loans and car payment, etc. cost about 700-800. I am a teacher and do plan on being in the area for awhile for several reasons. I live in Michigan, more specifically the suburbs around Detroit. Decent houses start at about 40k and go up from there; I am not afraid to have to do some work. My credit is pretty good, I could apply for a reduction in student loan payments, and I do not have much for a down payment, but could probably get help from family. What are my options and is this a good idea? Edit: I am female, I can handle basic repairs and have helped with work on the family house, I would hire a contractor for big things, I know to get a better house I need to spend more than 40k. Also, I am not talking about the City of Detroit. There is a huge difference in terms of the city and the suburbs.Assistant: What are your thoughts on living in Detroit for the rest of your life?Human: I am not in Detroit. There is a huge difference between the city of Detroit and Madison HeightsTroyRoyal Oak.  <response>: Okay. As long as youre happy living there and think you want to life in that neighborhood for at least ten years. 