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Cloud_Disconnected t1_j7gvmvw wrote

Reply to comment by EcoAffinity in Rental Recs by eatingoldcheese

It may affect their DTI ratio even if they're deferred.

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EcoAffinity t1_j7gxmfa wrote

But dti doesn't directly calculate into credit score. And student loans count as income for housing purposes as it's a legal way to use student loans. Apartments don't generally consider dti as it's more a use for lending purposes. They look at history of payments, bankruptcies, basically financial integrity. In this area, with so many students, colleges, and apartments, student loans wouldn't be a negative except for the most premium apartments, which I'm sure OP isn't pursuing.

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tmcgee417 t1_j7hooaz wrote

Apartments absolutely do consider DTI, I’ve worked in apartments for 8-9 years and it’s ALWAYS been part of our criteria as a company. I’ve never worked in Springfield, but I have worked at 4 separate companies and a total of 6 communities.

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