Student loan payments by themselves are not a detriment. A borrow’s debt to income ratio is calculated as a percentage of their pre-tax income; your qualifying income. And not all loan programs consider student loan payments equally. Most student loans even have multiple repayment plans. Someone might consider changing the payment on their student loans to assist with qualifying to buy a home. Other factors are considered when qualifying for a mortgage loan, so don’t isolate debt and talk yourself out of learning. Maybe consider an income producing property like a duplex or have someone else pay your mortgage for you, or maybe a portion of it. Ask us how.