UPDATE: On April 25, 2017, Fannie Mae announced new guidelines for calculating the impact of student loan debt payments on DTI. The new guidelines allow mortgage lenders to use the monthly student loan payment information provided on the borrower's credit report. So if borrowers are enrolled in an IDR plan, lenders can use the monthly payment associated with the plan to calculate DTI -- even if that payment does not cover all of the interest that's owed for the month).
^^ Does this mean for my $32k in student loans that are at a $0 repayment they will only count $0 to calculate my DTI? It seems too good to be true so it probably is but I figured it wouldn't hurt to ask.