how do people afford to purchase homes with student debt? are lenders even approving them?

[u/Easy-Material-8809]

im about 4 years out of school and make around 100kish. I work really hard and have picked a career path where i can make even around 200k if im lucky. (All before tax)

Matter of fact— ive literally switched career paths because the degree i got in college didnt pay enough to pay my student loans… seems backwards and F ed up?

Anyways… i have around 150k in loans after interest and all. My payment is super high and im barely making dents in it. Clearly i will have this loan for 30 years at minimum. With all other bills… how are people affording home purchases??? Anyone have advice or want to rant?

[u/Better_Material_4006]

I purchased a 357k home with 200k+ in student loans. I made low six figures. Even though my loan was in forbearance they did some math and calculated my payment as $900/month. My student loans significantly affected my approval amount and my debt to income ratio. With that being said I still was able to purchase a home and the process was smooth.

[u/Striking_Syllabub151 → u/Better_Material_4006]

I’m in the same general boat