<prompt> Human: Hi Reddit. Firstly, some background. We are a married couple with shared finances and no kids. I have 63,000 6.4 pa student loan. On the flip side, after five years in the workplace and some tough sacrifices, my wife and I are now in the fortunate position of being able to save approx. 4000 per month due to recent promotions. We have now paid off all personal loans, apart from my student loan, and have built our savings to 20,000. I have to pay a 5000 compulsory repayment to student loan each year, but other than that, nothing more is required. It should be noted that we are currently living overseas, and so would most likely buy an investment property in our home country of New Zealand. We would likely look to buy a house at around 400,000 and would be required to have a 20 deposit as overseas buyers even though we are citizens, this would take us longer to save for. The standard interest on Mortgages is 4.5.Where we are living now, we only need a 10 deposit and can get a 20,000 first buyers grant. However, we do not know how long we will live in the country and might return home in a few years.My questions are:1 Do we pay off the Student loan to minimize the interest lost?2 Do we take a risk on a house and hope the benefit outweighs the cost of the student loan? If so, where?We have never bought a house so this is all very new to us!Any advice would be appreciated!  <response>: I have 63,000 6.4 pa student loan. Pay off the student loan first. Its a guaranteed ROI of 6.4. 