I have a question. My lender is trying to program my community of mortgages … I think someone would have told me that if my student loans are deferred, they must include in the debt ratio. My student loans are deferred until December 2011. Can anyone what is the best program for me to say would it be? I am 34 years ka and in 2005 received 500 Christmas bonus and i in 2006 to $ 3500 Christmas / incentive awards. Can they be average? I also think that $ 6,000 this year. THANKS for any advice.