What loans/bills do they calculate when they are looking at your debt to income ratio. I will be going in as an e-3. I have a few student loans that total up to about $150 per month. I also have $2500 on my credit card (the minimum payments are about $70 per month). I also have a $220 per month car payment. Do they count student loans when they calculate your debt to income ratio? I don't have a mortgage or pay rent. Also, do they calculate it with your net or gross income?

Your recruiter should calculate all payments that you are currently paying on. Yours would be $450 per month from an E-3 basic pay of $1587.90. Just a dumb MK but my math is showing 28.3%