About to turn 38, single, no kids and am trying to purchase my 1st home. Problem is that they say I make too much- funny for some reason what everyone sees on paper is double what I bring home after paying my student loan, car payment, rent and bills- I have zero credit cards. I decided to better myself by going to college to teach and now that debt will be with me for life. Due to the fact that "they" say because I am single with no dependents, my income is too high- I am not eligible for any assistance. In summary, I need help- I have $6000 left on my car and way too much left on the student loan- if I could clear the lesser of 2 evils, I would be able to get by and start saving. Any suggestions?