Maybe. If your student loans are in deferment we have to take .5% of the balance on an FHA loan and add that to your monthly payments. This will definitely impact your DTI. If you still qualify after I add in .5% to all your deferred loans, then you are good to go. For conventional loans you would have to prove a $0 payment is income based. If you can do that, we can use $0.00. Otherwise it’s 1% for Fannie Mae and .5% for Freddie Mac.