Should a fresh grad couples apply for a BTO despite being in student debt?

Proceed once both parties confirmed they are meant for each other regardless of the obstacles and temptations that may come their way.

Start planning and go ahead! Mai tu liao! There are many grants especially for lower income couples, make full use of govt subsidies and grants. BTO flat takes time to build, by the time is ready, student loan debt should be fully paid. During these few years, focused on saving up first.

Where else will you get a house from?

This kind of thing not u want u get, just plan your budget do some forecast and apply