<prompt> Human: So, my wife and I make pretty good combined income, but I have about 185,000 in federal student loans at 6.8 from professional school. Ive been trying to pay down the student loans aggressively due to the high interest rate, however my wife and I will be looking to buy a house next spring. We just had a baby and its time to get a place of our own. We have enough saved for a 10 down payment. It could be possible to get to 20 if I really laxed on student loan payments for the next 6 months, but I hate to do that. I also hate the concept of having to pay for private mortgage insurance for the house. What do you guys think?Edit: combined income of roughly 200k not including possible bonuses. Lets pretend we wanted a 350k house wed look in the 250-350 range. Im paid ahead in my loans until May so theoretically I could make 0 in payments the next 6 months in order to try to get to 20 down payment. FWIW we live in the Midwest.  <response>: It doesnt sound like youre necessarily ready to buy a house yet. 