<prompt> Human: Alright, reddit, I need some advice. I am almost a teacher within 12 months I will have a position, but for now I work at a daycare, which is not lucrative. I am trying to get a mortgage for an amazing house I found, and the only thing holding me back is my dti ratio. My only debt is school loans, which I have spent the summer consolidating and getting on an income based repayment plan. I owe nothing on them for a year, and because of this plan and the PSLF program after I am a teacher, the only way I would have to pay the payment listed which is what throws off my dti is if I was earning enough to pay for it. I have to submit my employment information yearly so they can adjust my payments accordingly, but they will never be unreasonable with thus program. However, all the banks I have talked to say I need three-year verification of this, and wont approve my mortgage because of it. I know the most logical response would be to wait a year, but Im stuck in a horrible place that costs more than I can afford in rent mortgage payments would be cheaper, and in order to renew the lease, our rent will increase significantly. In addition, I lost my husband last year and being in this place we shared is horrible. Does anyone have any advice? Maybe a recommendation of a bank that is willing to work with school loan programs a little more? Please help!TLDR: I need a mortgage and high dti ratio is holding me back, even though my only debt is school loans which are enrolled in programs to make them not be a problem.  <response>: Its hard to provide any advice without actual numbers, but it sounds like you have house fever. Personally, I would move to a different rental and continue saving a bigger down payment until you can qualify for a conforming mortgage without PMI. 