<prompt> Human: Details: we have 6k in the bank that we just began saving around February. I dont work and stay with my child. My husband makes around 20hr and is getting a raise soon. What can we do to lower the price, or what is an alternative on how to save money faster to recuperate our loss of the 3.5k? We wanted to get a home, but this is going to push us back. Any advice?Edit: I only posted expecting some advice. But I didnt think there is so much help. Im so sorry I tried to read and reply to most. I thank each and everyone of you. Thank you so much!!!  <response>: Sounds like a bargain.. your only a year into your 7k debt and they want to settle for 3.5K? Take the deal. You pay a lot now, but save in the long run. 