Your
overall debt - to - income ratio should be no more
than 41 to 43 percent of your gross monthly income for most
lenders; so if you're still paying for a home equity loan, a car loan, credit card debt or
other debt in retirement, it can be tough to meet that hurdle without including the income earned on your retirement investments.
Overall, iHelp has lower credit and income requirements
than other private student loan
lenders, and they offer different repayment terms to fit borrowers» needs.