I'm going to try to get a USDA home loan in the next few months and need information about the repayment plan of my student loan. It is the graduated plan and will increase in the next few years. Will they have to consider the largest payment that I will eventually have for the DTI calculations? If so, would it be better for me to change it to standard repayment now before applying or wait until they tell me I need to. I would worry that there would be a credit pull if I make any changes but if they will have to consider the higher payment that I'll have in the future it will completely ruin my DTI.
Any information appreciated!
Thanks.
