<prompt> Human: Hi all,Longtime lurker, first time posting. Im 27 years old with nearly 40K saved between a traditional savings account 5700, a Roth IRA 27k and a brokerage 5k and have a state pension. I also have 5200 4.537; left on an auto loan and 13k 5.537; remaining on my student loans. I do not carry a balance on my CCs. My fixed monthly debt service is 550 while my monthly take-home pay is 3500mo. I generally save 800mo in addition to maxing out my Roth every year.I currently live in Northern VA but Im moving to the private sector after 5 years in state government 80kyr salary and will relocate to Richmond in July. I would like to own my own home but I never feel like Im ready. Im also worried about my existing debt burden negatively impacting the home I can afford. My question is this: is it to my advantage to take a chunk of cash and pay off my auto loan to remove the debt or should I keep the cash for my eventual downpayment?Thanks guys!  <response>: Id pay off both car and student loans. With the extra monthly expendable income you should be able to save it back up very quickly.Youre loosing money by paying interest. 