Student Loans and debt to credit ratio

[MDBII]

Hello everyone, just wanted to ask a quick question about my student loans. I am currently in school so all of my student loans are in deferment but my debt to credit ratio on installment loans is really high like over 100% with all three bureaus. My revolving debt to credit ratio is 30% or less for all three bureaus. My total debt to credit ratio is showing between 93% and 110% with the 3 bureaus. How much weight does the student loans really play in my score if they are deferred and also I am a authorized user on a few accounts that my mom was trying to let me piggyback on, now that I have 3 cards of my own even though low balances should I have her remove me from hers now?

[Anonymous]

Revolving and installment utilization are handled separately, and typically, an installment loan is not considered to be a drag on credit, but actually helps it.

Both factor into DTI calculations.

I'd probably break the AU link -- it has to happen sometime.