<prompt> Human: Hello PF!My wife and I are in our thirties. No kids and are renting. Wed love to buy a house, but have about 6k in student loan debt locked in interest at 3.3 and another 5k in CC debt 13 - 25 interest depending on card.We are both freelancers so our income is sporadic but we gross about 70k a year combined. We want to put this money to the best use and are leaning towards cutting out the CC debt and saving the rest for a house down payment. We wouldnt buy a house for another 6 - 8 months so is there a way to invest that down payment in the mean time? Is there another way to put this money to good use?Thanks in advance for your help. This sub has helped me so much so I hope others can learn from my situation too!  <response>: You need to pay off the credit card asap. That has to go pronto.You cant turn a profit that quickly on 10k to make any difference and investing it in paying off your credit card gives you a sure 6-13 savings.If you dont have an emergency fund, put the 5k in that. If you do, have it set aside for the down payment and then keep building it. 