---
title: "Can I buy with student loans?"
description: "Answer to: Can I buy with student loans?"
url: https://homes-support.padzilly.com/en/articles/83-can-i-buy-with-student-loans
collection: "Home buying Tips"
updated: 2026-02-13
language: en
alternates: [es]
---

# Can I buy with student loans?

Answer to: Can I buy with student loans?

Yes. Student loans are extremely common and rarely prevent approval by themselves. What matters is how the monthly payment factors into your debt-to-income ratio. Even if your loans are deferred or in income-based repayment, there are guideline-based ways they are calculated. Student loans are part of modern financial life. They don’t eliminate homeownership — they just become part of the equation.

Please consult your Mortgage Advisor for guidance specific to your situation before making changes.