FHA and Student loans- what's the real deal?Okay, I keep getting conflicting information from lenders regarding this. If I have student loans that are currently in deferrment and currently being reported as such on my credit report do they have to be included in my FHA debt to income ratio?To be clear, ALL of my loans have payments due dates of 10/2014 through 08/2016. They are also shown this way on my credit. Previous lenders have told me they don't have to count, but other's say they do. I wouldn't think it would be so difficult to figure out and that FHA would have a clear rule about this. Can anyone tell me which is accurate and is there somewhere I can find this info and present it to my lender as proof?November 05 2012 - Seattle00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.