If you can show that your fiance's father is paying the loan and has been for over 12 months you may not need to include that in the debt. Not always the case because the debt belongs to your fiance but some lenders will allow things like this. Also, you may look at options to refinance the student loan at a lower interest rate with lower payments. That may help you qualify.
Hope this helps.
Don Groff | REALTORÂ® & Mortgage Broker
Austin Real Estate Pros & 360 Lending Group
o 512.669.5599 | m 512.633.4157 | firstname.lastname@example.org
websites: www.AustinListed.com | www.360LendingGroup.com