<prompt> Human: I 25F and fiance 31M are getting married in May. He has 22,000 in student loan debt, and we each have about 5k that we owe on our vehicles. The student loans missed payments etc have really tanked his credit score so we are trying to attack those as quickly as possible. He just started a job making base salary 40kyear, plus an average annual commission of about 15k. I have not included the commission income into our budget. My job has been 31kyear. Weve budgeted around these salaries, and figured we can be debt free in about 3 years. Our monthly net income is 4,321; Our monthly expenses of rent, utilities, cars, gas, food, without student loans are 2,921. That leaves 1400 for fun date nights, etc student debt and anything leftover to put into savings. I had originally budgeted to make 650 monthly payments to the student loans, which would take care of those entirely in 2 to 3 years. Ive just taken a pay cut, going down to about 27,000. 650 may just be too high, we may have to pay 500month. Im trying to figure out how important it is to build our savings vs. paying off that debt. My credit is at 740, his is just under 500. If we ever want to get a house, his will need to increase. If we ever want to get a house, well need a down payment. We have about 13,000 in savings at the moment between us.  <response>: If you put 500 towards his student loans, and add his entire commission to that, you should have the student loans paid off within a year. Since you have decent amount in savings, I would not add any more to it until you are debt free, and at that time you should be able to increase your savings really fast. 