u/Ok-Willingness5988

Posting for a friend -

They have ~25k in student debt remaining however all of that 25k is 0 percent interest. They obviously have a minimum payment monthly which is great but I assume this would impact debt services when calculating GDS/TDS? Assume this is the only debt and still 800+ CS and their spouse has 0 debt and great CS as well? (assume +20% dp on property - no insured mortg if that changes calculations)

Any "benefit" the loan is 0 percent?

Option is to pay the whole loan off but would lower down payment (since that $ would go here)

From a high level, what is typically advised?