<prompt> Human: Im starting a FT MBA program at a top school in August. Im going to be taking out 207,000 in student loans two Direct Plus loans and two Direct Unsubsidized loans for the entire program. Im expecting to make about 20,000 in a summer internship, and graduating with a starting all-in compensation of about 200,000. I also am planning on doing fellowship work on campus for tuition remission but am not including that in here for the sake of conservatism.Im planning on taking the longest possible repayment terms for the loans 25 years so that my required monthly minimum payments are the lowest, and then making a payment to have them paid off much faster this set up just gives me some hedge against downside risk. At the 25 year term, my total monthly payments would be 1,569.23.A portion of my compensation will be bonus; Im assuming about 14 of it or 50,000. Id like to put this towards a down payment on a house.Im hoping to buy a house within a couple years of graduating. Ill likely be working in NYC and so would be looking for houses in New Jersey, upstate New York or Connecticut that are on a train line. Obviously housing prices are pretty steep for a nice house with a yard that are close to the train stations and so Im trying to figure out how much house I can reasonably expect to afford.If Im two years in, Id have 100,000 in bonuses saved towards a down payment gross. My loan principal would be down to 221,000 at that point assuming I make the minimum payments.How are student loans factored into your debt load when mortgage lenders view your debt:income ratio? Is it simply based on monthly payments or do they also look at outstanding principal balances? If Im making 200,000 and have 100,000 saved up for a down payment how much house can I afford?  <response>: Youre doing an MBA in Business, and you cant work this out for yourself?Id suggest you can afford a bigger house if you dont take the MBA. 