I am in the process of looking for a home. My mortgage scores are pretty good (656,644,666) . My income is 32,000 while my husbands is around $ 48,000. We both have been on our jobs 12+ years. The only problems is my husbands scores are terrible (400s) due to multiple late payments, and i have a few personal loans/CC with balances. I also have a student loan that I have defaulted on and now its listed as an collection/charge off. I am currently making payments on the student loans. My question is will I qualify for an FHA/USDA loan with my student loan in default. The current amount owed is $ 10,150.