DO student loans count on my credit? for a mortgage loan?

Outside of refinancing? Not a ton. You could possibly call your loan servicer and request a loan modification if you think you're in eminent danger of default.

Yes... Student loans are counted into your debt to income ratio. How they are counted depends on what type of loan you are doing, if they are full payments, partial payments, or deferred. For example, if the student loans are deferred, we still count a payment based on 1% of the outstanding balance. So a $12,000 balance would mean even if deferred, we would count a $120 a month payment against you. On the other hand, on a conventional loan, lets say you were only paying $20 a month as an income based payment - in that case, we only count the $20 into your debt ratio. These are just two examples, and your case may be different. All you can really do is complete a full application, and see what a lender like myself could do for you. If we can't get you a new or better loan, you can try to see if the current lender will do anything under a hardship, or maybe you might need to sell. I lend in SD, MN, and WI. Visit me at iMortgageJoe.com. NMLS274132.

Yes.. student loan's are factored into your debt to income ratio.. Whether or not you can refinance is a question for your loan officer.. until you sit with them, you wont know what you can or cannot do.. for this reason, I suggest you contact a mortgage banker/broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with a Banker/Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the banker/broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the big box banks. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893