Everyone knows that student debt is mounting. There’s an entire generation coming of age under a mountain of debt, with the value of that debt (in terms of job prospects) being somewhat questionable. In a somewhat under-reported change in mortgage regulations, life got a little harder for those carrying such debt. As of last September, the FHA no longer excludes deferred student loans from the debt-to-income ratio calculation — which means that for every $10k owed in student loans, you made need to be making as much as $200 more in income if you want an FHA loan.