So I will be applying for a mortgage mid June. I have 20k in student loans deffered until june of 2018. Here is the question, I will be going conventional and I know they take the greater of 1% or the estimated payment upon repayment. So my loan servicer has a letter that shows my estimated payment on 268 once its goes into repayment. Do I have to provide this letter when I apply? Can I just not supply this letter as my payment show 0 on my credit report and use the 1%? I know this could be construed as dishonest (and probably is) and that means I know the answer. I just wanted to get feedback from some people on here. Thank you in advance!