Lending with student loans

[Irina Sharp]

Hi all,

me and my husband have substantial student loans (over half a million). We are on a REPAY program where you only pay 10% of your discretionary income. We are looking to buy an investment property. We talked to a lender who said they count 1% of all student loans if they are in forbearance and 0.5% if they are in repayment no matter what our actual monthly payment is. Is this a standard practice among all lenders or should we talk to others as well?

Thank you!