🎓 DTI Calculator with Student Loans

See exactly how your student loan debt impacts your mortgage approval. Most lenders reject DTI above 43%.

Your Financial Profile

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🏠 Proposed Housing Payment

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$
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🎓 Student Loan Details

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💳 Other Monthly Debts

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Back-End DTI Ratio
0%
0% Good (≤36%) Max (43%) 50%+
—
Front-End DTI
0%
Back-End DTI
0%
Total Housing
$0
Total All Debts
$0

🎓 Student Loan Impact

DTI Without Student Loans
0%
DTI With Student Loans
0%
Student Loan % of DTI
0%
Max Mortgage Without SL
$0

📋 How Lenders Count Student Loans

🚀 Strategies to Qualify

🎓 Refinance Student Loans & Lower Your DTI

Consolidate at a lower rate — reduce monthly payments and unlock mortgage eligibility.

Compare Student Loan Rates →