is income from student loans included in the amount that my loan is based off of?

Income from student loans are not included or considered as "Income" for qualifying purposes.. however, outstanding student loans,specifically the payments associated with those student loans are considered when calculating your debt to income ratios. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Jessica,I agree with the answer that William gave you. Even if the current loans are in deferment, we will need to count payments when qualifying you. I would be happy to speak with you about loan options that are available. I lend in Colorado, so feel free to give me a call. Allen 720-203-9871

William and Allen answered correctly, the student loans may not be used as "qualifying income" but the payments will be used in the debt to income calculations.