[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fh6sij4bfmihc":3,"$ffeh0925h8cuz":43,"$fbwk2pqjjqsc7":47},{"item":4,"previous":31,"next":37},{"id":5,"slug":6,"title":7,"description":8,"excerpt":9,"contentType":10,"featuredImage":11,"bannerImage":9,"body":12,"agentsBottomLine":13,"bodyImage":14,"isInfographic":15,"categories":16,"isVideo":15,"videoThumbnail":9,"videoSource":9,"publishedAt":29,"updatedAt":30},85844,"dont-let-student-loans-hold-you-back-from-homeownership","Don’t Let Student Loans Hold You Back from Homeownership","\u003Cp>Did you know? According to a recent study, \u003Cstrong>72%\u003C\u002Fstrong> of people with student loans think their debt will delay their ability to buy a home.\u003C\u002Fp>","","blog","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250507\u002F20250514-Don-t-Let-Student-Loans-Hold-You-Back-from-Homeownership-original.png","\u003Cp>Did you know? According to a recent study, \u003Cstrong>72%\u003C\u002Fstrong> of people with student loans think their debt will delay their ability to buy a home. Maybe you’re one of them and you're wondering:\u003C\u002Fp>\u003Cul>\u003Cli>Do you have to wait until you’ve paid off those loans before you can buy your first home?\u003C\u002Fli>\u003Cli>Or is it possible you could still qualify for a home loan even with that debt?\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Having questions like these is normal, especially when you’re thinking about making such a big purchase. But you should know, you may be putting your homeownership goals on the backburner unnecessarily.\u003C\u002Fp>\u003Ch4>\u003Cstrong>Can You Qualify for a Home Loan if You Have Student Loans?\u003C\u002Fstrong>\u003C\u002Fh4>\u003Cp>In the simplest sense, what you want to know is can you still buy your first home if you have student debt. Here’s what \u003Cem>Yahoo Finance\u003C\u002Fem> says:\u003C\u002Fp>\u003Cblockquote>\u003Cem>\" . . . student loans don’t have to get in your way when it comes to becoming a homeowner. With the right approach and an understanding of how debt impacts your home-buying options, \u003C\u002Fem>\u003Cstrong>\u003Cem>buying a house when you have student loans is possible.\u003C\u002Fem>\u003C\u002Fstrong>\u003Cem>\"\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>And the data backs this up. An annual \u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fresearch-and-statistics\u002Fresearch-reports\u002Fhighlights-from-the-profile-of-home-buyers-and-sellers\" rel=\"noopener noreferrer\" target=\"_blank\">report\u003C\u002Fa> from the \u003Cem>National Association of Realtors \u003C\u002Fem>(NAR), shows that \u003Cstrong>32%\u003C\u002Fstrong> of first-time buyers had student loan debt (\u003Cem>see graph below\u003C\u002Fem>): \u003C\u002Fp>\u003Cp>\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250507\u002F20250514-Percentage-of-Buyers-Who-Have-Student-Loan-Debt-original.png\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cimg src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250507\u002F20250514-Percentage-of-Buyers-Who-Have-Student-Loan-Debt-original.png\" alt=\"a graph of a student loan\">\u003C\u002Fa>While everyone’s situation is unique, your goal may be more doable than you realize. Plenty of people with student loans have been able to qualify for and \u003Ca href=\"\u002F2025\u002F04\u002F24\u002Fshould-i-buy-a-home-now-or-wait\u002F\" rel=\"noopener noreferrer\" target=\"_blank\">buy\u003C\u002Fa> a home. Let that reassure you that it is still possible, even as a first-time buyer. And just in case it’s helpful to know, the median student loan debt was\u003Cstrong> \u003C\u002Fstrong>\u003Ca href=\"https:\u002F\u002Fwww.nar.realtor\u002Fresearch-and-statistics\u002Fresearch-reports\u002Fhighlights-from-the-profile-of-home-buyers-and-sellers\" rel=\"noopener noreferrer\" target=\"_blank\">\u003Cstrong>$30,000\u003C\u002Fstrong>\u003C\u002Fa>. As an article from \u003Cem>Chase \u003C\u002Fem>says:\u003C\u002Fp>\u003Cblockquote>\u003Cem>“\u003C\u002Fem>\u003Cstrong>\u003Cem>It’s important to note that student loans usually don’t affect your ability to qualify for a mortgage any differently than other types of debt \u003C\u002Fem>\u003C\u002Fstrong>\u003Cem>you have on your credit report, such as credit card debt and auto loans.”\u003C\u002Fem>\u003C\u002Fblockquote>\u003Cp>If your income is steady and your overall finances are solid, homeownership can still be within reach. \u003Cstrong>So, having student loans doesn’t necessarily mean you have to wait to buy a home.\u003C\u002Fstrong>\u003C\u002Fp>","\u003Cp>Having student loans doesn’t mean buying a home is off the table. Before you count yourself out, talk to a lender to get a clearer picture of what you can afford and how close you are to taking the first step toward homeownership.\u003C\u002Fp>","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250507\u002F20250514-Percentage-of-Buyers-Who-Have-Student-Loan-Debt-original.png",false,[17,21,25],{"id":18,"name":19,"slug":20},5,"For Buyers","buyers",{"id":22,"name":23,"slug":24},11,"First-Time Buyers","first-time-buyers",{"id":26,"name":27,"slug":28},323,"Buying Tips","buying-tips","2025-05-14T10:30:00Z","2025-05-15T15:22:31Z",{"id":32,"slug":33,"title":34,"featuredImage":35,"publishedAt":36,"contentType":10,"isVideo":15},86287,"why-buyers-are-more-likely-to-get-concessions-right-now","Why Buyers Are More Likely To Get Concessions Right Now","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250512\u002F20250513-Why-Buyers-Are-More-Likely-To-Get-Concessions-Right-Now-original.png","2025-05-13T10:30:00Z",{"id":38,"slug":39,"title":40,"featuredImage":41,"publishedAt":42,"contentType":10,"isVideo":15},85839,"why-would-i-move-with-a-3-mortgage-rate","Why Would I Move with a 3% Mortgage Rate?","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20250508\u002F20250515-Why-Would-I-Move-With-a-3-Mortgage-Rate-NEW-original.png","2025-05-15T10:30:00Z",{"cover":44,"open":45,"shareSpread":46},"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Cover-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Spread-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Magazine-original.png",[48,52,53,57,61,65,69,70,74,78,82,86,90,94,98,102,106,110,114,118,122,126,130,131,135,139,143,147,151,155],{"id":49,"name":50,"slug":51},1,"Uncategorized","uncategorized",{"id":18,"name":19,"slug":20},{"id":54,"name":55,"slug":56},6,"For Sellers","sellers",{"id":58,"name":59,"slug":60},7,"Foreclosures","foreclosures",{"id":62,"name":63,"slug":64},8,"Infographics","infographics",{"id":66,"name":67,"slug":68},9,"Home Prices","home-prices",{"id":22,"name":23,"slug":24},{"id":71,"name":72,"slug":73},34,"Senior Market","senior-market",{"id":75,"name":76,"slug":77},35,"Mortgage Rates","mortgage-rates",{"id":79,"name":80,"slug":81},38,"Move-Up","move-up",{"id":83,"name":84,"slug":85},41,"For Sale by Owner","for-sale-by-owner",{"id":87,"name":88,"slug":89},42,"Featured","featured",{"id":91,"name":92,"slug":93},45,"New Construction","new-construction",{"id":95,"name":96,"slug":97},52,"Luxury \u002F Vacation","luxury--vacation",{"id":99,"name":100,"slug":101},53,"Rent vs. Buy","rent-vs-buy",{"id":103,"name":104,"slug":105},80,"Time-sensitive","time-sensitive",{"id":107,"name":108,"slug":109},81,"Outdated","outdated",{"id":111,"name":112,"slug":113},147,"Internal","internal",{"id":115,"name":116,"slug":117},148,"Do Not Autopost","do-not-autopost",{"id":119,"name":120,"slug":121},320,"Inventory","inventory",{"id":123,"name":124,"slug":125},321,"Agent Value","agent-value",{"id":127,"name":128,"slug":129},322,"Affordability","affordability",{"id":26,"name":27,"slug":28},{"id":132,"name":133,"slug":134},324,"Downsize","downsize",{"id":136,"name":137,"slug":138},325,"Economy","economy",{"id":140,"name":141,"slug":142},326,"Equity","equity",{"id":144,"name":145,"slug":146},327,"Forecasts","forecasts",{"id":148,"name":149,"slug":150},328,"Selling Tips","selling-tips",{"id":152,"name":153,"slug":154},339,"Expired\u002FWithdrawn\u002FCanceled","expiredwithdrawncanceled",{"id":156,"name":157,"slug":158},340,"Price It Right\u002FOverpricing","price-it-rightoverpricing"]