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How To Buy A House When You Have Student Loan Debt. – Or, if you don’t have the cash to pay down a big chunk of your debt, consider refinancing your other loans to reduce the amount you have to pay every month.

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Getting a Mortgage with Student Loan Debt – A 2016 survey by the National Association of Realtors found that 71 percent of non-homeowners believe that their student loan debt delays their ability to buy a home.

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 · Rising mortgage debt is no surprise when looking at housing cost increases compared with income growth. The average sales price for new homes increased 46% over the past 10 years, according to U.S. Census Bureau data and Federal Reserve Economic data, while the median household income has increased just 3% during the same time period.

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