<prompt> Human: Hello rpersonalfinance,I am a current student, and my wife works full time. We currently have little debt 300 credit card balance, and a car loan with nearly 11,000 left on that. My question is, without student loan debt G.I. Bill, is right now the time to buy a house? We have no money for a down payment, but we havent missed a rent payment 525month. Should we wait until we have 20? - My wife makes 30,000year- I make 35,000year, Part-time. Also a secondary income of about 6,500year  <response>: My question is, without student loan debt G.I. Bill, is right now the time to buy a house?Absolutely not.Youre a student with no full time income. Youre carrying credit card debt and a car loan. You have no money for a down payment, and have a VERY low rent.The larger question here is, why do two people, who make 80k a year, carry credit card debt and a car loan? You guys should be crushing it right now. Your rentexpenses represent a fraction of your money. Where is the rest going?Should we wait until we have 20? Yes.I would also wait until your life is more stable. What happens if you buy this home, graduate, and decide you want to take a higher paying job elsewhere in the country?With your rent being a mere 525 a month, I think it makes no sense to consider purchasing right now. In the future? Possibly. Right now? Not a chance. 