Student loans may be counted against you as a debt if you are no longer in school; if you have defaulted on student loans that may prevent you from using some programs, such as an FHA loan.
I encourage you to go through the pre-approval process with a lender - you have nothing to lose and everything to gain.
Lincoln Mortgage Company
Thanks for your question. This question is definitely best suited for a mortgage broker or a loan officer at your bank. There is the $8k tax break for first time home buyers that must be used by the end of the year. Non-existent credit is the same as bad credit. You can pull your credit at freecreditreport.com for free 1 time a year which I recommend so you have an idea of the "ok" score. I am hearing that one has to be close to the 700s. I must again defer to somebody more qualified as I am just a Realtor. Hope this helps.