Bank of America, which adheres to the guidelines that Fannie Mae and Freddie Mac set, will let your total debt (including student and other loans) hit 45 percent of your pretax income, but no more.

• 本着联邦国民抵押协会和联邦房贷抵押机构所设定的基本方针，美国银行将让你的总负债（包括学生和其他贷款）达到税前收入的45%25，但不会比之更高。