Eloise, a software engineer with AGI of $125,000, is planning to purchase her first home. Her parents are giving her $80,000 as a gift in order to make a 20% down payment. Eloise also has $96,000 in student loans from her undergraduate and master's degrees, with an interest rate of 7.5%. Her credit score is 790. Assume that based on all available information and assumptions, buying rather than renting the home is the right decision for her. What advice can we give to Eloise on this decision? Provide good reasons, explained in terms Eloise can understand, for your advice, and any drawbacks or potential costs of the course you recommend. (Answer should probably be about 1-2 paragraphs.)