About 10 days ago President Biden announced that the student loan forbearance program now goes through January which means no monthly payments and no interest accruing on those debts. This also means a borrower’s credit report shows their payment as $0 or blank.
Freddie Mac and FHA both let lenders use an estimated student loan payment of just 0.50% a month on their student loans which is probably lower than what their payments will be in February 2022. So, if you have a ton of student loan debt you should buy a home before January when you can use a smaller monthly payment on your student loans and be able to buy more home.