<prompt> Human: edit: So it appear the 1-2 year hope for a home has been pushed to more like 2-4 years. The way I see it, I am doing fine with my 29k income and the promotion will come with a 20k raise. Thus, all the extra after taxes 15k will go into paying my student loans off.I have been saving up preparing for this potential promotion. Unless something happens, I should have around 4,000 to move across the country in AugustSeptember. Not much, but everything I own will fit in my car. So that will be easy.I will be moving from Nebraska to North Carolina.According to glassdoor and payscale, my promotion should come with a 50k-55k salary. Current salary is 29,000.On 50k, my income should be 3,100 per month after taxes.I dont anticipate my expenses to increase much. They should remain around 1,700 per month, but I am going to work on cutting that even further once I get established. Charlotte and Omaha have similar cost of livings: Current Debt 41,000 in student loans at an average 6.2 interest rate All federal loans 9,000 collection I am negotiating for pay for delete they already removed it from my reports, now we are just finalizing amount.I have read several articles stating that I shouldnt necessarily go all in and pay off my student loans super fast. Yet I have read some articles that say to pay it off fast because its an immediate 6.2 return on investment. I think paying it off over a longer period of time is better for my financial goals. Just want to make sure I am thinking right.What I want to doAfter moving to NC, I want to rent for the first year or two and save everything else. Preferably I will rent a simple, cheap studio apartment.After the relocation, I want to build my emergency fund to 5,000. That should take 3-5 months after I get settled in to my new town. I currently have 4,000 to move. Hopefully I will be able to save 1,000-2,000 of that by being really frugal during the move.During that 12-24 months of renting, I should be able to save 1,500 per month. After renting and saving, I want to put a down payment on a 4BR2BA house and rent out the other rooms. I had a friend of a friend do this and he just paid off his 30 year mortgage 24 years early on a 130,000 house.I want that!Sooo...Median home prices in Charlotte are 170,000.Using that 170,000 as a benchmark, I would need a 34,000 down payment. That would take me roughly 2 years to accumulate if I saved 1,250 per month, which I can easily do after promotion and my emergency fund is established.Using Khan Academys mortgage calculator a 170,000 mortgage with a 20 downpayment and a 5.5 I have no idea what interest rates will be when I go to apply for a mortgage, my mortgage would be 775.Rent for 4 bedroom houses vary considerably based on location. The lower end is about 1200 per month rent for a 4BR2BA and middle seems to be around 1,600 or so. That comes out to about 300 to 400 per room.Lets assume everything stays the same it wont stay the same, but its all I have to work with.If the mortgage costs 775 per month, I rent out three rooms at 333 a piece 1000 total for me, and lets say I put 30 of that away each month for repairsmaintenance. That drops to 766. If I use that 766 to put towards the principal of the mortgage and I pay the actual 775 mortgage myself, it would be paid off in 9 years 6 months if bankrates calculator is correctReally, what I need to know is, based on my situation with 51,000 in debt but 41,000 of that is in federal student loans, how do I get to where I want to be?Should I just pay the minimum on my 41,000 student loan and get the house sooner. Should I pay off the student loan faster and postpone the house?If it helps I am single, never married, no kids, 30 years old.tl;dr: Expected promotion should allow me to save up for a house and drop a down payment near 40,000. Or I could put all of that towards my student loan over the course of 2 years and work on the house after student loans are paid off. Which is the best route?edit 2: the following thread is a good example of why I am thinking about this now for everyone getting butt hurt in the comments: Assistant: Making 55k. Id have a 4 year plan to wreck that student loan to 0, and buy your home.Basically work like hell is burning down to pay off the loan. Find a 2nd or 3rd job that brings in a few bucks and throw it all at the loan. Your objective is.. In 2 to 3 years, for that loan to be GONE.Id buy a home after its gone. But burn through the student loan asap.Human: Damn, not the answer I wanted to hear, but this has also been a dream of mine to pay off my student loans ASAP.It would be nice to have 0 debt in 2 years. I was just thinking the renting out my rooms would be the second job.I have spent over 50,000 renting and will never get that back.I would definitely have less financial stress if in 2 years all I had to worry about was saving for the house instead of paying off loans and saving for the house.  <response>: I have spent over 50,000 renting and will never get that back.If you owned a home in nebraska it wouldve made this move extremely more stressfulcomplicated. Renting isnt throwing money away, everything has an advantagesdisadvantages. If youre trying to decide between money towards loans and money towards house, you really just need to look at the housing market in your area. Unless interest rates jump and housing prices in your area are booming, your best return is paying down the loans. 