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whats going on guys its your favorite Morgan slender of Del Kwame Paramount Residential Mortgage Group got mortgages super tired but I wanted to jump on here let everybody know breaking news Joe Biden Administration actually went ahead and approved another extension for student loans now how does this impact Us in the mortgage real estate world so what happens is in regards to student loans whether theyre in deferment or forbearances what we are allowed to do in regards to your debt to income is lets say for example if you have ten thousand dollars of student loans that you are not on a monthly payment for and its in forbearance or theyre deferment what were allowed to do for an FHA loan is actually use only half a percent towards your debt to income so for example if you owe ten thousand dollars a month we just have to count fifty dollars a month as your debt to income which is huge a lot of different clients generally if youre an average income at a minimum its two to three