urgent please

A primary advantage of a subsidized federal direct student loan over other types of loans, including Low monthly payments and a 20% balloon payment after 5 years The interest is deferred while you are in school The IBR method to repay the loan. None of the above Mortgage lenders use debt-to-income ratios to determine the amount they will loan you for a home purchase. Which of the following is not included in the housing expense to effective income ratio? Principle and interest payments Escrow deposits for taxes Hazard insurance premiums Mortgage insurance premiums Credit card payments Homeowners' dues None of the above