• If you have $0 payments or are in deferment/forbearance, DTI is calculated using 1% or .5% of the entire student loan balance.
    • Fannie Mae and VA loans are exceptions.
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  • Lowering your student loan payments by getting on an IDR plan will help your DTI across all mortgages.
     
  • Adjust your student loan repayment plan to get the best DTI possible depending on the student loan balance, monthly payment amount, and the type of mortgage

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