<prompt> Human: I have been renting a place for 4 years now, so it was about time for me to get a house. My only income now is student loans, so technically none. I do take a substantial amount of loans to cover my expenses; so they can technically count as a decent income if needed. I have a decent amount of money in a saving account for a down payment if needed. My question is, for someone like me who probably qualifies for few programs for low income, what should I be exploring now? I have an excellent credit score. So just head to the bank? FHV, VA, conventional loans, or any other programsloans? I have been been reading lots of resources and I just cant seem to know which would be best for me! State of residency is Oregon. I appreciate any input!  <response>: My only income now is student loans,Then you are not getting a loan. End of story. 