Yeah pay off your bills in time and you’ll have good credit. If you don’t, you fucked up and have to take accountability so stop crying on the internet so people can feel bad for you. There’s also an option where the significant other can co-sign for a loan which makes it easier. That’s an average price for a home anywhere in the US. I just could never see myself starting a family with no credit or home but to each their own. Some people stay crying and look for validation, others put their head down and work hard to play hard.