https://www.forbes.com/sites/nickclements/2017/07/31/new-rule-makes-it-easier-to-get-a-mortgage-with-student-loan-debt/#66da4a86173d
The new statement from Fannie Mae makes it clear: the reduced
payment can be used, even when the payment is $0. According to Fannie
Mae, "if the lender obtains documentation to evidence the actual monthly
payment is $0, the lender may qualify the borrower with the $0 payment
as long as the $0 payment is associated with an income-driven repayment
plan."
This is important, because the payment calculation for a student loan
(10% of the discretionary income) is different from the DTI requirement
of a mortgage. Many Americans could find it easier to qualify for a
mortgage while in student loan debt.
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