can i still qualify for home loan?

my husband and i have school loans mine is in deferrment at the moment i will be going back to online classes this fall and he is currently in school right now and will be until probably aug of ’09 so his sallie mae will also be in deferrment. my question is how does this affect what a person will qualify for in a mortgage? will the fact that you are not making payments affect your debt to income ration? hurt or help? would it be better to pay some of it down so that my payments will be lower when i do apply for home loan some good info would be helpful for my financial planning ? Thanks!

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