<prompt> Human: Hi everyoneIm currently a junior in college and I have two jobs, I gross about 27,500 a year. I know thats low, but in my area there are condos for around 70,000 - 80,000 that I am interested in, and the mortgage payment and condo fees would end up basically equally a low-tier rent payment and be less than a mid-tier rent payment. So instead of renting Id rather build equity in something, and I do plan to stick around after graduation, but if I dont it could still be a strong college town rental.Currently I have 3000 in loanscredit card debt but its all at 0 interest a no interest loan that wont require payment until 6 months after graduation and a 0 interest credit card for another year. I have around 8,000 in savings so I could pay all of that off now but at 0 I see no reason to rush.My FICO score is currently 740So obviously I need to talk to actual lenders, but Im wondering if you all have thoughts on whether I am almost ready and see if I can get an FHA loan or what I need to do to be ready to buy, say, a year from now.  <response>: You are going to have a hard time getting a loan. Your income is part-time not considered stable and even though you are currently not making payments, they have to count part of your debt against your income.Also condos sucks. Lots on non-equity fees. 