I'm getting married in 3 months and I'm undecided whether we should buy a house this year or wait because of my future wife's student loans. I personally think we should wait but I'm curious what others think. A little background information. Between the two of us we make $135k. Her college debt right now is at 120k with 7% interest. We are paying 4K/month (1,300 is the minimum) and having been doing so for the last 7 months. Neither of us have credit card debt and we both own our cars. We currently have around 30k between savings and checking in the bank. I would like to put around 70% to 80% of that 30k into her loans and and try to get them refinanced after we get married. Then continue paying the 4K/month through the end of 2016 and then save up for a down payment on a house in the spring/winter of 2017. I know it's a good time to buy real estate so would it be a mistake not trying to get a house in 2016? She lives in a spacious 2 bedroom apartment which we would have no troubles living in and pays $740 a month for rent.