<prompt> Human: Hi. I am in about 20,000 dollars of credit card debt due top irresponsible spending when I was younger. this equates to about 600 dollars a month in minimum payments. This is not unmanageable for me, but in conjunction with rent and my other bills it has made it difficult to save money. My credit is ok around 680.Im 28 and Ive been in my career for 8 years now and it is going very well. My current annual salary is 120k before taxes. I recently had to move for my job and I am tired of paying rent. Would it be a wise decision to apply for a mortgage and ask for an excess in money to cover my debt and roll it into my mortgage payments? Is this even possible? I am looking to stay at my current location for at least 5 more years.Any help would be great, thank you.  <response>: Im probably a bit less conservative than many in this sub, but I agree 100 that you need to pay off your CC debt before you consider buying a house. If you make 120K a year and are only paying the minimum each month theres something bigger going on with your broader financial picture. You should easily be able to pay that off this year if you have a budget. Paying off the debt should also increase your credit score so that you can get it above 700 and obtain a better interest rate when youre eventually ready to buy a house. 