Rants and Gems #163 Your Tax Refund Could Be Garnished In 2026- Student Loan Update
Rants & Gems Real Estate Podcast
EYL Network
4.9 • 1.3K Ratings
🗓️ 15 December 2025
⏱️ 35 minutes
🧾️ Download transcript
Summary
Student loans don’t automatically disqualify you from buying a home — but how lenders calculate your monthly payment can make or break your approval. In this episode of Student Loans & Mortgage Approval, we break down what lenders actually count for DTI, how different repayment plans show up in underwriting, and the real moves borrowers can make to get mortgage-ready even with student debt.
Guest: Dr. Sonia Lewis — The Student Loan Doctor
Instagram: @thestudentloandoctor
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Transcript
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| 0:00.0 | My place in tech changes every day, but I don't fear the future, because I'm with the leader, Pluralsight. |
| 0:08.7 | Their online learning platform has the hands-on expert-led courses I need to master new tech skills and create bigger impacts. |
| 0:17.5 | So I can learn quickly and stay ahead. |
| 0:21.1 | With Pluralsight, I don't fear what's next. |
| 0:24.0 | I embrace it. |
| 0:25.6 | Tap in at Pluralsight.com and see for yourself. |
| 0:29.9 | At Pluralsight, we don't just teach skills. |
| 0:32.8 | We are building the tech workforce, who deliver results fast, accelerated by top tier content. |
| 0:38.8 | Lead with confidence, lead with expertise. |
| 0:41.3 | Visit us at plural site.com to tap in and learn more. |
| 0:47.9 | Ignore this update and lose student loan forgiveness. |
| 0:52.3 | Welcome back, Matt Garland, NMLS number 5-870-0. |
| 0:56.7 | Better known as M.G. |
| 0:58.0 | The Mortgage Guy. |
| 0:58.7 | We are live. |
| 0:59.3 | We are blessed. |
| 1:00.6 | We're coming back with the second live of the day. |
| 1:04.0 | If it's your first time here, type first time in chat. |
| 1:08.0 | We're going to talk about student loan forgiveness. |
| 1:10.4 | There's a lot that's |
| 1:11.7 | been going on with student loans since President Trump has been in office. And, you know, |
| 1:18.8 | student loans play a major, major, major, major factor in people getting approved for mortgages. |
... |
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