Student loans aren’t stopping you from buying a home — bad advice is. This episode reveals how to navigate mortgage approval with student debt and turn your loan burden into a homeownership advantage.

Think your student loans mean you can’t buy a home? Think again. In this episode, David Sidoni breaks down how banks actually evaluate borrowers with student debt — and why your total loan amount is way less important than your monthly payment. You’ll learn how income-driven repayment plans and debt-to-income ratios really work, what myths are holding renters back, and how owning a home could help you kill that student loan faster. It’s not just possible — it’s strategic.

“Student loans don’t stop you from buying a home — not understanding how the system works does.”

Highlights

• The total amount of student debt doesn’t matter — monthly payments do.
• Banks approve home loans for borrowers with debt every day.
• DTI (Debt-to-Income Ratio) is the key metric lenders use.
• Homeownership can be the best strategy to crush student loan debt.

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David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer.

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