Does FHA count student loans?
Yes. FHA uses either the actual monthly payment shown on the credit report, or 0.5% of the outstanding balance if the actual payment is $0 or income-driven.
Plain-English explanation
This is one of the bigger DTI levers for younger buyers with large student-loan balances. A documented IDR payment may count if it fully amortizes the loan, but $0/IBR/PAYE usually defaults to the 0.5% calculation.
What can change the answer?
Income type and history, recurring debts shown on the credit report, automated vs manual underwriting, compensating factors, and lender overlays can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Debt Ratio
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.