When we went to buy our house, I was a year into my rehab and we wanted to do an FHA, our mortgage broker gave it to us straight and said flat out leave me of the loan or would risk not being approved or having to go conventional with a higher dp. He said let my loans be in repayment a bit longer and refinance back into an FHA adding me on. Doing that worked, we ended with a lower interest rate and payments, we did that exactly at the 1 year mark. THe only way that hurts more then helps is if the person with the bulk of the income is the defaulter. If any of you find yourself thinking you have a default and it isn't a private student loan check https://www.nslds.ed.gov/nslds/nslds_SA/ and click on Financial Aid Review, that will tell you the balance and who the current servicer is to try to get it rehabbed or consolidated.