We are not taking on any personal debt to pursue this journey; we don't have car loans, student loans, or carry credit card balances. 

Saving for 20% down is unrealistic as I have six figure student loans at 6.8% interest that we’re trying to pay off like crazy.

In fact, my last tenant which I signed a lease with in March had a FICO score of 822.I look at the time you will be spending on management as a function on the kinds of properties you buy AND your skill as a PM and if you are willing to research and buy technology.I probably spend less than 15 hours a week on average involved in Property Management issues.When I taught Real Estate, I often told my students to be careful of buying yourself a full time job when looking for an Investment.

I'm not targeting college students, but there are some college students in the neighborhood. 

Renting to four college students in August for $2000 a month total.

So I am hoping we can get some seasonal rental in the healthcare profession to rent the room out too or find students to sign a year lease with a co-signer.

Also, not sure if you’re into it, but I know a few people who own a bunch of student rentals in the pine hills area and make great cashflow.

Assuming that you comment about >50% is consumer credit and not your student loans.

When I was 22 I realized how much I was paying in interest with my student loans and decided to get a part time job (3 days/week) on top of my full time and was dedicated all of those funds into my student loan payments.

How would that process go, and if there’s no way to do so, what’s the best way for a college student to jumpstart into real estate investing so that way I can save up money , ?