{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.getloans.com\/blog\/deferred-student-loans-now-count\/#BlogPosting","mainEntityOfPage":"https:\/\/www.getloans.com\/blog\/deferred-student-loans-now-count\/","headline":"Deferred Student Loans Now Count!","name":"Deferred Student Loans Now Count!","description":"Deferred Student Loans Now Count! It used to be that student loans that were deferred 3 years or more did not count against you in your debt ratios. Not anymore… Now even if your student loans are deferred for longer than 3 years, on a Conventional loan the underwriter will count the debt against you. […]","datePublished":"2010-08-29","dateModified":"2023-11-15","author":{"@type":"Person","@id":"https:\/\/www.getloans.com\/blog\/author\/brianm\/#Person","name":"brianm","url":"https:\/\/www.getloans.com\/blog\/author\/brianm\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b03dd1a5c12d48f4023463adfa5dbd6d38ebf6f4d842bd8f8d55ec71cb0ca275?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b03dd1a5c12d48f4023463adfa5dbd6d38ebf6f4d842bd8f8d55ec71cb0ca275?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Person","name":"Brian Martucci","image":{"@type":"ImageObject","@id":"https:\/\/www.getloans.com\/wp-content\/uploads\/2026\/06\/brianmartucci-getloans-logo2017.webp","url":"https:\/\/www.getloans.com\/wp-content\/uploads\/2026\/06\/brianmartucci-getloans-logo2017.webp","width":400,"height":70}},"image":{"@type":"ImageObject","@id":"https:\/\/www.getloans.com\/wp-content\/uploads\/2010\/08\/college-graduates.jpg","url":"https:\/\/www.getloans.com\/wp-content\/uploads\/2010\/08\/college-graduates.jpg","height":1080,"width":1920},"url":"https:\/\/www.getloans.com\/blog\/deferred-student-loans-now-count\/","about":["Underwriting Rules"],"wordCount":176,"keywords":["student loans","underwriting"],"articleBody":"Deferred Student Loans Now Count! It used to be that student loans that were deferred 3 years or more did not count against you in your debt ratios. Not anymore…Now even if your student loans are deferred for longer than 3 years, on a Conventional loan the underwriter will count the debt against you. On FHA loans they will not count the debt against you on student loans deferred for more than 3 years, but I am guessing FHA may follow the lead of the Conventional loans and they may change their policy soon too.And there are different formulas for each loan type to calculate a monthly payment on deferred school loans. A common example would be taking the balance of the deferred school loans times 1%. For example:$50,000 deferred school loans$50,000 x 1% = $500\/month$500\/month is what the mortgage lender may have to count against you in qualifying for a mortgage.This is another example of the continued tightening of the underwriting guidelines. Expect to see more and more tightening, it will get worse before it gets better."}