<prompt> Human: First time poster, infrequent reader, every day noob. Please excuse my ignorance if this topic has been discussed to the ends of the earth.So I am nearing the end of my schooling and will graduate within the next 6 months. I will have 210k in debt and will have an earning potential 100kyear. My parents have a savings of 80k and theyve been talking about using it to pay for my school loans or putting a down payment on a home. Finances are as clear as mud to me and I dont know what my options are if any in this situation. I would like to pay off my student loans first and be able to say that I can finally move away from the seemingly insurmountable debt, however being able to provide a roof over my parents head has been a dream of mine since I was a young teen. I do not have any children, and my monthy debt is just my cell phone bill, a car payment that is to end at the end of this year, and anything I manage to rack up on my credit card that I pay off every month. My credit score, if that matters, is 750 depending on which credit union you look at. Im not sure if its a bettersmarter financial move to buy a home first or use a large chunk of that savings to tackle my loans before buying a home. I know that I cant have my cake and eat it too and am being as realistic as possible. Please advise.  <response>: So you could use 80k to pay down 210k in debt, leaving you with 130k in debt to pay down on a 100k salary or...You could use 80k, give it all to a bank, and go even further in debt.Does not seem like a challenging decision from a PF perspective. 