My husband and I will be PCSing in about 3months and are looking into buying a home at our new duty station, we recently contacted USAA about getting a VA loan and were turned down because of my school loans (I’m currently still in school so they aren’t in repayment yet) we do have some other debt two cars that will be paid off in the next year and a credit card but they were adamant that it was the school loans. What my question is, is this normal procedure even though I’m still attending school? Are we totally out of luck unless we get the loans paid down?

Thanks for any help.

From my conversation with the mortgage company, it sounded like they do some straightforward number plugging.

You credit score needs to be above a certain threshold.
Same with your debt to income ratio.

The exact numbers may fluctuate but they can tell you.
If you're paying for all the things you mentioned, I'm guessing your debt to income ratio is too high. Take your time tho, you don't want to over-leverage.