How to Buy a House With Student Loans (Even with High DTI)

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Two borrowers. Same income. Same student loan balance. Same city.
One gets denied for a mortgage — the other gets their offer accepted.

The difference isn’t credit score. It’s how their student loans are counted in debt-to-income (DTI).

In this video, I break down how lenders actually calculate DTI, why your monthly student loan payment matters more than your balance, and why student loans are the single biggest wild card in mortgage approval. I walk through a real-world example showing how two identical borrowers end up with completely different outcomes — and how timing your income-driven repayment can change how much home you qualify for before you ever make an offer.

If student loans affect your ability to buy a home, this is the breakdown lenders don’t always explain.

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