when am I likely to be able to qualify for a loan?- I plan to graduate grad school with a PhD in August or so, and begin a new job soon afterWhat AJ said. You will qualify in August or September after graduating and receiving an Offer Letter. Income for qualifying will be the full $110,000., and with no debt, you would be approved with a housing expense up to approx. $4,100. Being a student is considered full time employment.
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