Student loan debt is given consideration. Couple things to rememeber. First you ahve the option of electind an interest only payment. This is important if you consolidated your loans becasue it will help with your debt to income ratios.
Second you can get a letter form your lender or servicing agent showing that you have the ability to defer or forbear your loans. This allows you to postpone payments for up to 6 years. Difffernt banks may view this differently so you will need to speak with your lender.
Additioally you may want to google the Student loan Common Manual and copy the section out regarding student loan deferrment and forebearance adn send this along to the underwriter. The bottom line is that it helps him identify the fact that if you lost your job or n eed to halt payment on your loan you can.
