<prompt> Human: Hey guys,So I currently have 12 student loans Im paying on: 8490 APR 9.5 Monthly Payment- 4000 avg. 3315 APR 6.8 Monthly Payment- 25 2394 APR 6.8 Monthly Payment- 18 2250 APR 6.8 Monthly Payment- 17 2122 APR 6.8 Monthly Payment- 16 1374 APR 6.8 Monthly Payment- 11 1121 APR 5.0 Monthly Payment- 50 3230 APR 4.5 Monthly Payment- 20 5170 APR 3.86 Monthly Payment- 30 1903 APR 3.86 Monthly Payment- 11 5131 APR 3.4 Monthly Payment- 28 4116 APR 3.4 Monthly Payment- 23 Car Payment: 14876 APR 2.74 Monthly Payment- 240 Personal Loan to begin payments after purchasing a house; 17677 APR 0 Minimum Monthly Payment- 1508109 house hold income post taxVery good credit scoresMy husband and I would like to purchasebuild a new home in the next couple years Sep. 2018 or 2019 closing. We want to put 20 down minimum on a 350k-380k house depending on the down payment we can afford in Wylie, TX North Dallas.Our original plan was to pay off the student loans in full, then begin to save for a home. I project the student loans will paid off in April 2018. I started thinking though, that some of the loans APR is lower than what well get on a mortgage, so does it make sense to pay off the first 8 student loans projected pay off December 2017, then begin to save for a house while paying, say, 50 each to the last 4 student loans? Or would it make the most sense to just knock our debt to income ratio as low as possible?My second question is, is our house cost out of our price range, is this something we should bring down, or do we have a bit more wiggle room?Thanks!!  <response>: Absolutely student loans. You need a clean slate. Home ownership is expensive!! 