Student loans can help because they report to the credit bureaus. The key is that they be current and without any recent late payments. However, just as any other debt the payment is considered in your debt-to-income ratio, even if they are deferred. Sometimes we get lost in the jargon/language, the DTI and PITI, but just know that credit is either good or bad. It just depends on your payment history and how much you can afford.