Without student loans, they are not a factor in your application. Credit and the other debts still count.
What this rests on
THDA's minimum credit score is 640. As of 10-28-2026.
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Ask a lender
How an income-driven payment is counted can differ from one loan type to another, so ask a THDA-approved lender how yours would be read.
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Ask a lender
Loans on pause still count toward your debts, and lenders have their own way of counting them. Ask a THDA-approved lender before you apply.
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Ask a lender
Find your monthly payment on your loan servicer's site first, then ask a THDA-approved lender how it will be counted.
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May fit
A fixed payment is the simplest case: a lender adds it to your other monthly debts. A THDA-approved lender confirms how.
What this rests on
THDA's minimum credit score is 640. As of 10-28-2026.
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