People think Millennials are lazy and would rather mooch off their parents than invest into buying a home, but that simply isn’t true. Along with many first-time homebuyers, Millennials are ready to take on a mortgage, but student loan debt isn’t doing them any favors.

In a 2017 Student Loan Debt and Housing Report by the National Association of Realtors, 76% of loan borrowers said student loan debt impacted their ability to purchase a home. Out of those borrowers, 85% couldn’t afford the down payment, 74% didn’t feel financially secure enough, and 52% couldn’t qualify because of their Debt-to-Income Ratio.

Just like credit card debt, student loan debt can be a major roadblock to homeownership. It reflects on your credit score and weighs into your Debt-to-Income Ratio (DTI). With the interest accruing on the principal balance of your student loan debt, it can be hard to imagine a day you’ll have some financial cushion to begin adulting properly.


That’s where we come in! We’ve had clients count on us to help them get pre-approved by their mortgage lender. Enrolling in an income-based repayment program with Student Loan Forgiveness lowers your monthly payment, demonstrating more wiggle room to squeeze in a monthly mortgage payment.

With Student Loan Forgiveness, your monthly payments are determined by your income, the number of dependents you have, and your employer. For your credit report, it means a lower DTI on a monthly basis. Check out the graphic below to see how Student Loan Forgiveness can increase your buying power!


Cody Thomas, a client of My Education Solutions, racked up $37,000 of debt after changing majors at Texas State Technical College in Waco, Texas to study Computer Networking and Systems.

Before enrolling with us, he was on the Graduated Extended Plan where 1% of his total debt was reported to the credit bureaus, ultimately disqualifying him for his dream home. After Elsa and Ben De La Cruz, his real estate agents at Texas Premier Realty recommended us, Cody Thomas enrolled in a Student Loan Forgiveness program.

 “It brought my debt to income ratio down enough to where I was able to get approved”.

Now Cody works as a system administrator for the Food Safety Network in San Antonio, Texas. Cody is finishing his Bachelor’s Degree out-of-pocket (by choice).


Our customized approval letters are available within 24-48 hours after enrolling. Our money-back guarantee ensures clients are not billed the enrollment fee until their mortgage lender has granted pre-approval.

If you’re still on the fence about Student Loan Forgiveness, invite your real estate agent or mortgage lender to one of our upcoming Lunch & Learns for all the details. The luncheons are hosted every 2nd Wednesday of every month at our office located at 7330 San Pedro Ave. Ste. 108, San Antonio, Texas 78216.

Agents and lenders can register via Facebook by clicking here.

Would you like more information regarding qualifying for your dream home with student loan forgiveness? Give us a call! (800) 618-1170