<prompt> Human: Some context:Im in graduate school for Engineering-all my school is paid for 1000 a month stipend. Im married-wife is a nurse, but we plan on having a baby in a little over a year.We have saved up about 6,000 and will be able to add another 5,000 this summer I have a summer internship lined up. The houses that we are looking at are in the 200-250k area, which means to avoid PMI for the life of the loan, we need to save up 50k. I will be making roughly 65k out of school, with a baby and my wife staying home we think its important for her to stay at home, it might take us a while to reach that 50k mark.I just filled out my FAFSA and it estimated that I will qualify for 20k in Federal Direct Stafford Loan 4.44 interest rate. I am thinking about taking 10k out to help us save up.Between the two of us we have 38k in student loans, with both of our newer cars completely paid off 2007 and 2009.Thanks for any advice!Edit I think its a consensus that I should NOT take out the loan, and instead try to save up and take a bit more time. I think I will continue to save up the best we can without taking out anymore loans.  <response>: Wait to buy a house until you can afford it. If you need to take out a loan for the down payment, then you cant afford it. 