Standard - do you have any savings - over and above what you'd use to put down as a deposit?
If not, on your salary, I am afraid you will be caught really short, even if you find a way to buy a home (and are able to find a home in the 80,000 or under range, as more than that doesn't seem feasible)............you have to factor in costs beyond the mortgage payment and utilities, tv and other basic needs - home ownership has a lot of expenses you don't realize upfront, and unless you're prepared for that and have a cushion, with savings, (broken furnace, leaking roof, etc), you could wind up in a financial hole.
It's one thing to be "pre-approved" on paper for what a bank might loan you........it's quite another thing to be able to make those payments and have a life without financial stress.
New Jersey is not known for its bargain priced homes...or taxes.
I know in some states you could buy something for under $50,000, for example, and that might work for you, but NJ isn't an easy place to buy a home on a limited income.
I applaud you for having established good credit, and your desire to own a home, but I think you need to work on increasing your income (a second job perhaps) and paying off those student loans before buying a home.