<prompt> Human: Any recommendations on a great consolidation website? I owe 14k to irs that I have been paying off slowly, Or can I actually look to get a mortgage with that debt. I feel stuck. I was not very responsible when I was younger and unfortunately I am literally paying for it now. I just got engaged and we want to buy a house before we get married. Thank you all for your time in reading and hopefully responding.  <response>: I have my doubts that youre anywhere close to being ready to buy a house.I maintain that if you dont at least have 20 of your desired homes cost saved for a down payment to avoid PMI, you really cant afford the house to begin with. If youre 14k in debt, you likely have little savings, so youd be looking at a mortgage with a higher APR due to both PMI as well as being a higher-risk borrower due to the lower down payment. Also consider that even if you do save up 20, a house can still be outside affordability if your mortgage payments eat up too much of your paycheck.Of course it does depend somewhat on what housing prices are where you live. However, even if you lived where houses are 80,000, youll still need to save up 20,000 for a down payment, which would probably be better spent getting your debt cleared.As for your debt to the IRS, Im not sure if you would be able to secure a personal loan that has a lower rate than the IRS current payment plan APR plus penalties; current prime personal loans rates are around 10, which is about the APR penalty for IRS repayment plans. 