MortgageMarvel
Posts 38
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While some lenders may handle it differently, the answer for the vast majority of lenders is, “Yes.” Student loans that are not yet in repayment are considered an installment debt that is included in your liabilities when calculating your debt-to-income ratio and assessing your ability to repay the loan. The theory is that you will have to make the payments in the not-too-distant future, so lenders want to make sure you can afford all of your payments once the repayment of your student loan begins.
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