Guest
Guest
Dec 30, 2025
11:36 AM
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Saving for a down payment or paying off Student Loans first depends on your goals, rates, and timeline. If homeownership is near and your loans have low interest, building a down payment can make sense, especially if it helps you lock in a stable housing cost. On the other hand, high-interest balances can quietly slow every other plan, so reducing education debt may deliver a guaranteed return and boost your debt-to-income ratio. A balanced approach often works best: keep minimum payments steady, target extra cash where interest is highest, and save consistently so progress happens on both fronts without burnout.
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