I am planning to buy a house later this year, and will be applying for a mortgage. I'm aware that part of the application will be reporting the amount I pay now for other outstanding loans (student loan, car payment, etc.). My understanding is that I don't need to report what I'm actually paying each month, just the *minimum monthly payment* for each loan.

However, I'm not sure how to report on my student loans. When they first went into repayment, my minimum payment was $360/month. I have been paying $400 every month since then. Because of that, each month my minimum payment has slowly gone down to $0.

So, am I able to claim $0 as my minimum payment, or is there another number I should be claiming. Obviously, if I stopped paying the loan, the minimum payment would go up again, but I don't know when that would happen or by how much. Occasionally, I will skip a payment (because I need some extra money for the month), and the minimum the next month is still $0. I've never done this more than one month in a row, though.

I assume that the less debt I claim the better it looks on the mortgage application, as it means I have more money free for paying the mortgage.