What is the highest debt-to-income ratio I can have with student loans?

Debt-to-income limits with student loans depend on the specific loan program and lender, since conventional, FHA, and VA financing each calculate qualifying debt differently, including how they treat loans currently in deferment or income-driven repayment. A lender needs your actual income, existing debts, and loan documents to give a real answer rather than a generic ratio. Brian Beatty can connect you with a lender who specializes in working through student loan debt calculations before you start house hunting.