Consolidating student loans affect credit score Chatadults

22-Sep-2020 15:54

This is because student loans can eat into your budget and redirect monies you’d rather be putting toward housing.

Consider that the average college student graduates with monthly debt totaling 0 per month.

You may find this figure to be too high for your tastes, and that’s okay.

There is no rule that says you have to use the entire forty-three percent of your household income on debts.

Concerns about student loan obligations are among the reasons why first-time home buyers account for a smaller percentage of the housing market as compared to recent years.

According to a study by American Student Assistance, 55% of student loan holders said their debt is causing them to put off homeownership.

And, despite the historically low levels of today's mortgage rates plus a wide array of low- and no-downpayment mortgages available to first-time buyers, student-loan-holding consumers are discouraged.

Therefore, if you plan to use either of these two programs, it doesn’t matter whether you have a down payment or not. Your credit score will determine your program eligibility.

However, with no down payment, you would not be eligible for an FHA mortgage or a conventional one, which require 3.5% down and three percent down, respectively. All mortgage programs require that buyers meet some minimum credit score requirement. It’s your monthly income relative to your debt, however, that is arguably the most important trait in your mortgage loan approval.

You can buy a home, get approved for a mortgage loan, and still make good on your student loans.

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