Do banks care about student loans for mortgages / cash out refi ?

[Bryan Stats]

Greetings there

I am new to the real estate world

Unfortunately like many young folks I am saddled with a lot of student loan debt, hence my income to debt ratio is very bad

For those who have experience attaining mortgages and/or cash out refinances, how heavy do banks weigh in student loan debt?

I have good credit and my monthly obligations on the student loans are minimal (so paying them month to month is not an issue)

In particular I am more so thinking about potential cash out refinances and whether high student loan debt will handicap me

Thank you!