Student Loan Debt-to-Income (DTI) Calculator

Debt-to-Income Ratio


This is your approximate monthly debt-to-income ratio.
Total Monthly Debt


This is the value of your total debt obligations per month.
Different Debt Obligations


This is how many different sources of monthly debt you have.
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Typically, a debt-to-income ratio (DTI) of over 40%-43% can put a stopgap on you qualifying for most major types of loans such as mortgages. For most personal credit lending institutions, a DTI of under 36% is pretty favorable. Of course, the lower your DTI, the better your interest can be when you refinance your student loan.
You can decrease your DTI by reducing your overall monthly loan payments or increasing your overall gross annual income. Refinancing your student loan can also help reduce your total monthly debt if your monthly payments go down while you also receieve more favorable interest rate and maturity terms. The economy is still really hot right now so a good idea would also be to look for a higher paying job to reduce your DTI.