[Mama of 2]

I mean when you go to get a pre-approval. I know it doesn't include your current housing costs. So does it consider any debt you have on your credit? And credit cards or loans? And also, will they include student loans if their being deffered?? Thank you!One mortgage lender I spoke with said that as long as I wasn't paying a monthly payment on my student loans yet that it was ok. Is that not true? Its like $70,000 worth of SL on my credit.And also, how do they count the credit cards? By the limit on your card? Or how much you usually pay on it monthly?