I couldn't find anything about this, sorry if it is a repeat.
My wife and I are closing on a house at the beginning of January. My student loan payments will be going up with a higher payment billed at the end of December due the 3rd week of January, and I'm concerned if the new payment is reported it would raise my DTI too high.
On a side note, our actual monthly payments are much lower than what is reported to creditors because she is in IBR and while FedLoan reports more than $600 a month as her payment she actually is only on the hook for $0.00. Is there a way to have FedLoan report the actual payment amount to credit bureaus?
Thanks for your time.