Student loan deferment

[Anonymous]

I'm in the mid 500's right now across all 3 agencies and would love to get it higher over the next year or so as that would be when I will be looking to buy my first house. I have A LOT of student loan debt which i have no lates on (yay!) between any of my student loan lenders. Those loans are currently in deferment however because I am back in grad school. Does that affect my score?

[Anonymous]

They look at it for your DTI- esp when you go to buy a house- but don't factor it in until you payments become due.

[Anonymous]

So if I could get a mortgage before they go back into regular status, that would help me because my DTI would be better? How exactly do the loans get factored in? Do they look at the monthly payments that would be due related to my monthly income or the entire loan amount in relation to what I make?

[Anonymous]

They usually dont consider them as long as they are deferred.