How do lenders count student loan debt in 2026?

Lenders count a borrower's student loan payment as part of their monthly debt when calculating how much mortgage a buyer can qualify for, and the exact method depends on the loan program and whether the loan is in repayment, deferment or an income-driven plan. Guidelines on how to treat a non-standard payment amount can differ meaningfully between lenders. Joel Boss connects buyers with a lender who can confirm the current treatment for their specific loan situation.