of the 13 percent of buyers who said saving for a down payment was the hardest part of buying a home, half said their student loan debt had hampered their ability to save for a home purchase or down payment. • seat assignment fees: some airlines charge for all seats. this was a big leap, as it took more construction and creative thinking on both their parts. when you’re overwhelmed, pick out the one thing that will relieve your mind and create the most order. “i answered the call.” marco’s voice was clipped. 