<prompt> Human: Ive done my best to find resources that answer this but am not having much luck. My wife and I have a combined student loan debt of around 100k, and repay on the IBR plan. Weve been looking at trying to purchase a home, but I realized after doing some research into FHA and USDA loans, which are the two loans I thought we would be most likely to use as first-time home buyers, that we will probably have some problems.Turns out these two types of loans impute 1 of your total student loan debt into your monthly DTI, so about a thousand dollars a month. We make ok money, and dont really have any other debts, but this DTI change would basically disqualify us from a mortgage because we wouldnt be able to afford a suitable house for us in our area.Anyways, are there any types of mortgages that look at what youre actually having to pay towards student loans instead of imputing a percentage of the total debt? Thanks!Also, Im in Tennessee if that matters at all.Assistant: No offense, but with that substantial debt, why are you looking to take on even more debt? If you dont have enough money for over 20 down payment, which really should be going toward tackling that IBR debt anyway, this is n;t an equitable decision for you. You are not going to get a loan that kicks under the rug your debt expense. Human: Im paying at least as much in rent right now as I would for a mortgage. I figure I may as well put that money towards equity in a house rather than throwing it at rent each month.  <response>: It is a common misconception that renting is throwing money away. You arent throwing money away. Youre paying to rent a place and have a landlord basically take care of everything that you didnt break, even the things you did break in some cases. Have you factored in closing costs? moving costs? homeowners insurance? PMI? An emergency fund for when the boiler breaks? The roof leaks? There are way too many incidental costs you cannot plan for, and it does not sound like you have substantive savings to handle those unexpected emergencies. 