[prohornblower]

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BTW the student loan is a stafford federal loan with a 3.75% interest rate if that makes a difference. Obviously debt is debt, but I've heard certian debt like federal student loans are looked at differently.

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I still have $11K left of student loans but am not in a rush to pay them off because I thought of all debts you could ahve, these are like the best. Low low rates and the monthly minimums are really low also they don't hound you when you fall behind.

I'm sort of in the same boat..could pay this debt off tomorrow if I wanted, but I'm looking to buy in 12-18 months and assumed the money would be best spent as downpayment. Basically I'd tell the loan dude "Would you rather me pay this debt off, or put it down on the house?" as I could go either way of course.

EDIT: Cantsit...do you and your wife have any car debt?