KEY TAKEAWAYS •Student loan debt does not disqualify you from a VA loan. What matters is how the monthly payment is counted in your debt-to-income ratio — not the total balance you owe. •VA lenders use the higher of your documented monthly payment or 5% of the outstanding balance divided by 12 as the qualifying payment — unless the loan is in qualifying deferment. •Student … [Read more...] about VA Loan With Student Loan Debt: How It’s Counted and How to Qualify in 2026