<prompt> Human: So we have all heard the rule, no more than 3x your annual salary. and, dont spend more than 28 of your monthly income on housing expenses. I wanna ask if that applies to new graduates too.. Is there a rule of thumb that dictates how much a responsible new graduate should pay towards their loans mortgage per month?  <response>: The only thing I can think that would be special about new grads is dont buy a house yet. Youre young and early in your career. You have no idea what could happen. You dont want to be stuck to a location because you bought a house and need to give up an awesome career building opportunity. 