Can I Buy a Home with Student Loan Debt?

Absolutely — many buyers successfully purchase homes while carrying student loans. The key is managing your debt-to-income (DTI) ratio. Lenders look at your monthly obligations compared to your income, and student loans factor into that calculation. Paying down balances or refinancing loans can help improve your DTI.

In my experience, strong credit, consistent income, and responsible financial management matter more than the mere existence of student debt. It’s about showing lenders that you can comfortably handle both a mortgage and your other obligations.