Student loans don’t mean you can’t buy a home — but they do change the math. Every dollar of student loan debt impacts your debt-to-income ratio, and that’s one of the biggest factors lenders look at when qualifying you for a mortgage. With most households already spending close to 40% of their income on housing, adding student loans without a plan can make buying feel out of reach. The good news? You don’t have to wait until your student loans are paid off to become a homeowner. With the right
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