<prompt> Human: I know that lenders look at your total debt and total income, and then see what kind of house you can afford, etc.But do they look at monthly debts or total debt? IE, someone with student loan debt but doing income based repayment, if they are low income, might be paying only 150 a month on their loans, but have like 50k in total debtSo would the lenders look at this and think something like, Wow, this person has 50k in debt and makes 25k, they are not mortgage worthyOr would they look at their month to month finances? Like, they have 150 a month worth of debtfrom IBR on student loans vs. they have 50k in total debt?Just curious about this -- has anyone been on IBR and gotten a mortgagesomeone to lend to you?  <response>: I was on IBR when I got my first mortgage. They used the monthly payment amount calculated under IBR. 