<prompt> Human: So to say I have been irresponsible in the past would be true. My credit is bad because of hospital bills, cell phone providers, an eviction from apartment, and 14k worth of student loans. My credit is low 500s due to that. My girlfriend also has around the same credit due to the same stuff. Hers is also low 500s. We are also both 24 years old. Not sure if that matters. Together we make somewhere around 50k a year. And we currently rent a house with 950 as our monthly payment not counting utilities and such. I just feel like we are paying all this money a month when it could be going towards owning the home. We are in our lease for another 8 months which gives us time to hopefully do what we need to do to help make this possible. Sorry if I missed any important info to help you give advice and i apprciate any help you can give!  <response>: Youd have to seriously remediate your credit; somehow get rid of bad history through pay-for-deletes and supplement it with good history.You dont buy a house just because you dont like paying rent. Houses have a lot of costs just the way renting does.Youre 24 now. Think of a house purchase as more of a five year plan at this point. 