A: I would first contact the financial institutions that hold your student loans and find out if there is a way to consolidate these loans.

Second, I would recommend that you have a set amount of money deducted from either your paycheck or your checking account each month and deposited in a savings account. This money would go toward your down payment.

Third, I would cease using credit cards and live on cash.

Fourth, I would develop a budget and stick to it. Also, I would contact the banks in your area and find out what the down payment requirements are for various loan programs. I would talk to at least 3 different banks.

Lastly, consider renting a home with the option to buy. Look in the newspaper and ask realtors about homeowners that would be interested in this arrangement. Your dream to own a home can become a reality with a little discipline and persistence. Happy home hunting!!!