No, because we had too many and I wouldn't wait. At marriage, we made about $100k and owed about $200k (govt lawyer and teacher with masters debt). Now we make $200k and owe about $95k, so we're getting there, but I wanted house and kids while we were young. (We are 32.)

Yes. Just paid it off Friday, should be able to buy a home in about 13 months. It's allowing us to save more money paying it off now and not having the added interest.