Student loans aren't affecting score?

[SCF]

I'm not sure if they'll consider the full payment or your payment plan amount when you apply for a mortgage.  That might even vary from lender to lender based on how strict their underwriting standards are.  I would read up about debt-to-income ratios and how they affect the amount you can afford for your mortgage.  Basically, your student loan payment will count against your "back-end" or total debt ratio.  You could also visit with a lender and share your situation and see if they consider the full payment amount or the IBR amount when calculating that ratio.

[Luscher]

honestly, if you have 200k in student loans I'm sure you will have a pretty good paying job. That is either a really great school. or a doctorates lol

[ladyMJ]

Makes sense. Thanks!