The title says it. I finally have a decent paying job, but can only afford one of the options. I want to own a house so bad and stop paying rent, but I don't know if that's the right decision with insane house prices and mortgage rates. I could use my savings for a down payment or to pay off almost all of my student debt. With student debt being “frozen” right now, it feels a little out of sight out of mind. It really feels like there is no good decision.