Student Loans and Purchasing A Home

Hello everyone, I have a question. I have a question in relates to student loans and trying to purchase a home. I currently owe about 100k in student loans, and I was worried that this would mean that I wouldn't be able to qualify for a home mortgage? Is this something that I should be worried about, I am not in default on my loans at all but when I do check my credit report it says that my debt to income ratio is too high because of the high amount of loans that I owe. Can anyone offer any suggestions?

Yes, your student loans will be considered in the formula for whether or not you can afford a home. If your income is very high, all fine and dandy -- if it's not, that amount of debt will cripple your chances of getting a home.

As it should. I don't mean to be ugly about it, but $100k is a LOT of debt, and you will have (if you don't already have) one massive monthly payment. If you are earning a middle class wage, you pretty much cannot afford a house AND those loan payments. Essentially, you ARE buying the equivalent of a house already.

The only way to afford both the loans and a house are to (1) find a way to earn more income yourself, and/or (2) marry a high earning man.