Thoughts on paying off debt vs saving cash to prepare to buy a home

Hi! I (28 F) and my partner (30 M) are trying to make a savings plan to hopefully buy a home in 2027 before getting married. Right now I make just over 6 figures and my partner has his own job as well. We currently live in Chicago and buying anything here is out of the question so I am working on convincing him to move back near my hometown in Ohio. You can get a pretty decent house there for around 300 - 350k.

I am currently the one with a crippling amount of debt (my partner has none). I am not looking to hear people scream at me why or tell me I’m stupid, just understand I have 50k in student loans and around 15k in CC debt as well as 7k left on a car loan. I have a 401k but no savings account or Roth of any kind. My original plan was to put all my extra money into paying off my CCs this year (I’ve heard paying off a car loan is not good). My credit score is 699.

Should I focus on paying off my debt and then try and save money in a HYSA? Or should I be doing a bit of both but then knowing I would still be carrying CC debt into meeting with a mortgage broker? Or is this a lost cause and I’m gonna need to keep renting forever?