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Monthly loan & debt payments

You should include the following items in your monthly loans and debt payment:

  • Auto loans
  • Student loans
  • Credit card payments (the required minimum monthly payment)
  • Mortgage payments (if you intend to keep your current house and its associated mortgage)

You should not include the following items in your monthly loans and debt payment:

  • Rent you’re currently paying
  • Living expenses (including groceries, utilities, transportation expenses, and so on)
  • Special expenses (including vacations, weddings, and so on)
  • Mortgage payments (if you intend to sell your current house to purchase this home)
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