Starting Out
Market News & Data
General Info
Real Estate Strategies
Short-Term & Vacation Rental Discussions
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
Tax, SDIRAs & Cost Segregation
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
1031 Exchanges
presented by
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated over 8 years ago on . Most recent reply
![Anthony Lyons's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/657232/1621494841-avatar-anthonyl67.jpg?twic=v1/output=image/cover=128x128&v=2)
Pay off credit card debt before investing in real estate?
Before I start my journey in real estate investing should I pay off all of my credit card debts and student loans?
Will having a high debt ratio make it hard for me to receive financing?
Most Popular Reply
![Thomas S.'s profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/495545/1621479261-avatar-paidinful.jpg?twic=v1/output=image/cover=128x128&v=2)
Defiantly clear all bad debt first. It not only will make investing easier but it will also train you for the future. Investing requires a dedicated life style change from what our society presently accepts as normal. Living pay check to pay check is unacceptable and step one is doing away with non investment related debt.