Student loans are always going to present specific underwriting challenges or problems, depending on how they’re reporting, if they’re in deferment or some sort of forbearance or pay-as-you-earn or income-based repayment.
Work with a firm that is in your area that is experienced with working with physicians. They will have more liberal underwriting guidelines as to how they calculate student loan payments and figure that into your debt to income ratio. They’re going to be well versed in every potential solution that there is, but the short answer to your question is yes, if there are student loans hanging out there especially in deferment, it can cause a challenge. If you’re working with someone who is an expert in that space, then they’re going to have solutions. Please click on the map on this site to see the physician loan experts in your state.