<prompt> Human: Fiance and I are looking to buy a house in the near future. We have a combined salary of 143k. She has 185k in law school student loan debt which is on an IBR plan of 1,436 from Sallie Mae. I have around 5,800 in student loan debt and pay around 220mo towards it, also not private loan. We both have credit scores in the 750 range. We were told by one loan officer that her student loan debt does not really affect our lending process because it is not revolving credit debt and since it has such a long history of no missed payments, actually helps her credit. Is this true?We already have a lot of debt from her education and adding a mortgage seems scary. Fiance wants to go small and conservative but my goal was to capitalize on the low rates and get into something biggerbetter for longer than the 5-7 yr average of a first time homebuyer. Is this stupid of me?We currently have 40k in savings but will be using some of it for our wedding. We are looking to put down minimum because the money is so cheap, and prepaying our PMI with money from the seller. -Net take home is 7100-1700 in student loan payment-current rent is 1450mo-40k in savings-1st home  <response>: Unless youre making more interest on the savings, pay off the 5,800 in student loans. You can pay yourself back without having to pay interest to someone else. 