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Latest Posts in Home Ownership

Buying a home with student loans isn’t easy, but it’s doable. In this section, we break down how student debt impacts homeownership and what you can do about it—from choosing the right repayment plan to deciding whether to pay off loans or save for a down payment.

many doors to choose from but student loan borrowers must make tough decisions without knowing the other side of the door

Retirement vs. Student Loans vs. Mortgage: Which Comes First?

Eliminating student debt, saving for retirement, and buying a house are all important financial goals that can be hard to balance.

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down payment on a home or student loan

Student Loans, PMI and Mortgage Down Payments

Student loans are a major challenge to saving for a down payment on a home. A smaller down payment often means living with a Private Mortgage Insurance (PMI).

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mortgage or refinancing first

Buy a House then Refinance or Refinance Student Loans First?

Student loan refinancing can make getting a mortgage much easier — or much harder. Getting the order right is essential.

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getting a mortgage on IBR

IBR, PSLF, and Mortgages… Oh My! How to buy a house and chase forgiveness.

Qualifying for Public Service Loan Forgiveness and buying a house are two goals that both require careful planning for student loan borrowers.

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Should I pay extra on my student loans or my mortgage?

Key differences in tax advantages, forgiveness programs, and refinancing make the debt elimination decision more complicated.

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house convert to cash HELOC

Is it a good idea to pay off student loans with a HELOC?

Using a Home Equity Line of Credit (HELOC) to pay off student loans has a couple big advantages, but it comes with major risks.

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  • Tools
    • Old Income-Based Repayment (IBR) Calculator
    • New Income-Based Repayment (IBR) Calculator
    • Repayment Assistance Plan (RAP) Calculator
  • RepaymentPLANS & FORGIVENESS
    • Lower Payments
    • Student Loan Forgiveness
    • Cosigner Issues
    • Repayment Plans
    • Loan Servicers
    • Consolidation
    • Debt Elimination
    • Parent PLUS Loans
  • RefinanceRATES, TIPS & REVIEWS
    • Refinance Reviews
    • Best Interest Rates
    • Lender Comparisons
    • Refinance Strategy
  • Life with LoansMARRIAGE, TAXES & MORE
    • Retirement
    • Home Ownership
    • Marriage
    • Taxes
    • Scam Alerts
  • PlanningSTUDENTS & PARENTS
    • Paying for School
    • Student Loan Reviews
    • Income Share Agreements
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