<prompt> Human: Ive been living in apartments my entire adult life, and Ive decided Im ready to move into a house.Some quick details: 28 years old Gross income 50kyr 23k debt 14k student loans, 9k car 1.5k emergency fund only recently began building thisIm currently paying 250mo on each of my debts. With tighter budgeting which I have began recently, I could put 300-500 more toward debt each month, allowing me to pay off the debts in roughly 2 years rather than the projected 4 years.My current apartment rent is 950 slightly higher than 30 of monthly income.I plan on staying in this area, so buying a home makes sense; however, with no down payment and 23k in debt at the moment, would I be better off renting until Im more financially stable?  <response>: with no down payment and 23k in debt at the moment, would I be better off renting until Im more financially stable?There is no choice for you to make here.Without a down payment, youre not buying a house. Full stop. 