Escape Student Loan Debt Podcast EscapeStudentLoanDebtPodcast l Student Loan Strategies for the Established Professional

In this episode of Escape Student Loan Debt Podcast, host Brenton Harrison discusses how federal and private student loans affect your ability to buy a home.
He covers key components like credit scores and debt-to-income ratios, the differences between FICO and Vantage scores, and how student loans can influence these factors.
Additionally, Brenton explains how different types of mortgages handle student loan payments, including Fannie Mae, Freddie Mac, FHA, VA, and USDA loans.
The episode offers valuable insights for anyone navigating the complexities of student loans while seeking home financing.
EPISODE RESOURCES
FICO Score Calculation 
The CAIVRS Database 
Student Loan Mortgage Guidelines 
And if you haven't already, sign up for our email list at escapestudentloandebt.com!
00:00 Introduction to Student Loans and Home Buying
01:29 Understanding Credit Scores
04:06 Impact of Student Loans on Credit Scores
09:10 Debt to Income Ratio Explained
12:38 Types of Mortgages and Their Requirements
15:03 Private vs. Federal Student Loans
 

Tune in as we cover details of the latest extension of the IDR Waiver, and share why July 1st is an important day to be aware of for federal borrowers!
EPISODE RESOURCES
IDR Waiver Extension Announcement
How Does The IDR Waiver Work?
When PAYE Beats The SAVE Plan
 
And if you haven't already, sign up for our email list at escapestudentloandebt.com!

Does having student loans change your insurance needs?
Tune in and find out.
And if you haven't already, sign up for our email list at escapestudentloandebt.com!

Dig into the details of the latest Biden Loan Forgiveness Plan
EPISODE RESOURCES
https://www.ed.gov/news/press-releases/biden-harris-administration-announces-new-plans-deliver-debt-relief-tens-millions-americans
And if you haven't already, sign up for our email list at escapestudentloandebt.com!

Tune in as we cover 4 upcoming dates that are crucial for federal student loan borrowers
EPISODE RESOURCES
When PAYE beats the SAVE plan
https://open.spotify.com/episode/3LXvu3QXfMZIwgN06JiwlR?si=bjqJ_eUgSCyDrYkRldm0QQ
The SAVE Plan Part 1 and Part 2
https://open.spotify.com/episode/3U64z5PsRtJv9te2WXJjTA?si=H30Q6D9SQXC72ie5ao6Vcg
https://open.spotify.com/episode/2OLHHNRTg6s1JK3b1PpT0F?si=SaQnVS2VSsiXhmR2p4OPrw 
 
Contact the Student Loan Ombudsman
https://fsapartners.ed.gov/help-center/fsa-customer-service-center/service-centers-for-students/office-of-the-ombudsman-fsa 
 
And if you haven't already, join our email list at escapestudentloandebt.com!

Tune in for student loan tips and tricks from Robert Farrington of The College Investor!
 
EPISODE RESOURCES
Contact the Student Loan Ombudsman
The College Investor