The no counting towards debt ratio student loans are now a thing of the past. Rather than ignore FHA will now require a 2% of the outstanding balance be counted toward when calculating monthy DTI. If you have a 20,000 dollar balance 2% of the balance ill be a 400 dollar payment towards your DTI. Ouch. Also more of an investigation into gifts is in focus. Still a go to program but a little tougher. Please call for more details.