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[quote=Anonymous]Digging yourself out of a hole is never fun or easy. Hindsight being 20-20: student loans should be minimized. Learn the lesson and don't repeat it with your kids. You should have gone to college and law school in-state. You should have worked PT to bring in some cash. You should have taken out the bare minimum in loans and lived frugally with a bunch of roommates and ramen. You should be living frugally now. Pay down the loans. Don't carry credit card debt. And don't plan to trade up to a bigger house. Learn to live within your means, and prioritize paying off your student debt. My mil is a real estate agent, and she says you really shouldn't consider your primary home as an investment. Rather, it's your monthly housing cost. Make sure it's affordable. Once you've paid off your mortgage, then you can think of it as an investment you might consider unloading to downsize. A better measure of your financial situation is a monthly budget. [/quote]
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