How does a $300,000 student loan balance affect my debt-to-income ratio on either FHA or Conventional loan? My student loans are in deferrment. Can I turn my deferred student loan to an income-based repayment? How does IBR work on FHA and conventional loans. I heard that IBR is no longer available due to IBR getting sued? Is there any merit to IBR no longer being available for the time being? That does not make sense. Can you provide me with detailed information?