Tyai ta bhanyaa......... it is a vague question. Ok. Lets put it this way, gross income = 5,000 (per month) education loan payment = 250 (per month) back-end ratio = 35% So, maximum total house payment the person can accept = (5,000 x .35) - 250 = 1500 ho? The thing that is bugging me is ......... while calculating back-end ratio, all the loans/credits are already considered...........so, when we calculate maximum total house payment from the back-end ratio, should we deduct the loan (education loan payment in this case) again as I did above?