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Agency guidance documents do not have the legal force of law, but they are practically binding because they state the agency's current policy on a particular issue. The US Department of Education labels their agency guidance documents "Dear Colleague" letters.
Guidance on the Borrower Defense Rule
HUD Guidance - Mortgagee Letter 2021-13
This policy update removes the current requirement that lenders calculate a borrower’s student loan monthly payment of one percent of the outstanding student loan balance for student loans that are not fully amortizing or are not in repayment. The new policy bases the monthly payment on the actual student loan payment, which is often lower, and helps homebuyers who, with student debt, meet minimum eligibility requirements for an FHA-insured mortgage.