Puck

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.

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"Wealth is the slave of a wise man. The master of a fool." -- Seneca