<prompt> Human: So, currently Im a university student qualified to receive student loans through FAFSA. The interest and time frame of paying the back is a heck of a deal to pass. The thing is I dont actually need it. Im married and my wife works, which pays our living expenses. I already know that I cant use the cash I get as a down payment on a house. But, can we instead live on my student loans, while my wife saves a majority of her income? Within a year, we would be able to have the down payment necessary.My gut tells me that lenders wouldnt be bothered by this either, because our housing expense renting is around 25 of my wifes net income. Would this work?If this is possible, I want to research how my plan would compare to taking advantage of first time home buyer programs. Thanks for your help!  <response>: Taking out unnecessary student loans is never a smart idea. 