For anyone who has bought a house, how do student loans in deferment factor into you debt-to-income ratios? I mean, if you're not paying on them, can they factor them in? How do they even show up on your credit report (I didn't get my first credit report until after my loans were in repayment). Logically speaking, seems like they shouldn't factor in...it's like them factoring in debt you will incur after buying the home (i.e. furniture, etc). But I know student loans aren't quite the same. Any insight would be helpful as, I, yes, am looking to buy a house, probably next April. (Trying to get all my ducks in a row). Also, anyone who has a home, did you go to a mortgage counselor first and talk about your debt, etc? I was thinking of doing this 8 months before, so they can analyze my credit reports and tell me what I can do to ensure approval. I'm hoping by then, I'll have all my negatives removed and I won't have to worry about that, but just in case. Thanks!