The very best thing you can do with regards to questions about financing is to talk to two or three lenders. We would recommend that you talk to direct lenders like Wells Fargo, Chase, a mortgage banker, etc. rather than a mortgage broker.
We always recommend you get a preapproval from a lender so you know exactly what you can afford. Once that is done, then interview agents and select one that works primarily with buyers.
Mark & Kari Shea
Shea Real Estate
There shouldn't be a difference in how student loans are viewed by loan type. I remember you asking a question about how financing works with regard to keeping you and your wife's qualifications separate from another. Feel free to contact me directly to go over your financial situation, that way you can see what you actual options are for your situation!
McAllister Homes Real Estate
Best of Luck!