USDA makes changes once again. Be prepared – use a USDA specialist. USDA doesn’t accept student loans in deferment with no payments being made. They decided you would need to be making the payment eventually, so they will use a monthly payment for qualifying even when you don’t currently pay any amount or a small amount due to your current income level. USDA will use 1% of your total student loan debt for the payment even if they are in deferment, and you pay less. We will help you look at what monthly housing payment USDA will approve so that you can be prepared and approved for this zero down home loan. If you do not qualify for this home loan, we will offer you another option. Apply today to see if you qualify at www.USDALoanOregon.com or call us at 1-877-316-8202.