Applying for a mortgage loan, but student debt getting in the way? Fannie Mae, Freddie Mac, and VA loans now account for actual student loan payment amounts, rather than the old 1% per dollar borrowed! Great news for buyers with large student loans. Jessica explains it all in an interview with Duane Duggan of the Boulder Property Network team at RE/MAX of Boulder. Previously, someone with $100,000 in student loan debt would have a $1,000 “payment” in their debt-to-income ratios, but now they accept the actual payment amount instead which frees up much more buying power.