My current living situation is rocky as my landlord is a friends parent who is looking for any reason to kick me out but is just being nice not to. My current rent is only $700 utilities.

I have no other debt, no credit cards, no car payments etc.

I’m currently a registered nurse making $39 an hour plus differentials which come out to being roughly $5200 every month after taxes. With overtime this year I will clear 90k gross.

I currently have 63k in private student loans and 20k in federal and am paying $983 per month for the minimum. For the 20k student loans I do qualify for the PSLF so I’m not too worried about those. My private student loans however my minimum is $606 every month with a 5.9% interest rate.

With my current living situation being rocky would it be better to start saving up more for a house? My father said he’d co-sign with me and he’d help with the down payment but I’d have to pay closing costs and have an emergency fund, which currently I do not have.

If I didn’t buy a house then I’d have to rent and in my area rent is anywhere from 1500-1800. Which would leave me after utilities roughly $2000 left over for food gas etc.

If I bought a home at my current pay rate the only thing I’d be able to afford is a 1300 sq ft townhome with 3 beds 2 bath at $2500k a month which after utilities would leave me with $1200 left over