Student Loan and Mortgage Question

[tianapb725]

I wrote this in another thread, but didn't get a response.  I'm still interested to see if anybody has any insight.

I apologize for my confusion, but why would an underwrite give the applicant "points" for deferring their student loans, when they'll only have to begin payment on them anyway.  I have faithfully paid my student loans on time (and every other bill), every month since graduation (5 years ago), but since it increases my DTI, it effects me.  Do underwriters usually take the payment history into consideration?

My student loans aren't going anywhere for 15 years (hopefully sooner), so I don't know why postponing payments should be rewarded and somebody given a mortgage. I pay $275/mo on a $46K salary, so what's the difference if it affects me now or later by deferring them?

[BrianB_The_Loan_Professor]

They do not get points - FHA guidelines do not require them to be counted into the debt ratios if they are deferred for 12 or more months? USDA does count them - it is not an UW thing it is a guideline thing. My guess is that they are thinking the student loans will increase future pay but that is speculation on my part.

They will look at your payment history as part of your credit profile but you will have to count the student loans as monthly debt