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.