tenant with massive loans

[Zoe Lee]

We are looking at an applicant with massive loans (130k student loan and it's a low paying major). The "estimated monthly payment" listed on the credit report is however less than 1k. 

Is this estimate accurate? Or I'm reading this wrong?

Other than this everything else looks good (of course low credit score). Stable family, good rent payment history, good landlord reference.

Any feedback would be appreciated. 

[Tim Johnson]

Income based repayment.  My record was a lady that worked at a gas station, had a law degree and a MBA had 330k in student loans.  Her payment was $97 a month.  She will never get that monkey off her back.

She had a 780 credit score, but I couldn't get her approved for a loan because on income based plans they take 1% of the student loan balance.  That was more than her income for the month.

Crazy Crazy