How conventional underwriters count student-loan payments, IDR plans, and DTI impact. From The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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Student loans almost always count in your conventional debt-to-income ratio — even if payments are deferred. Lenders use your actual payment when documented, or a calculated percentage of the balance when the payment is missing or $0.
The payment used for DTI depends on what shows on your credit report and documentation.
Small documentation choices can change qualifying DTI by hundreds of dollars a month.
Accurate student loan docs keep DTI from being guessed too high.
A short plan can unlock more buying power without waiting years.
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