i’m targing a fall mortgage app and am trying to prepare as much as possible. My quesion involves students loans. My loans are currently being paid and have no negatives attached to them, but I did have a couple of ‘Administrative Forbearances’ due to changing the payment plan, that resulted in a couple of months being skipped (Basically they cancel that monthly payment and note the report as ‘Forebearance, paying as agreed’) The report no longer says that, just current and pays as agreed. however, in those past months where there were no payments it just has an ‘X’ next to it. So it’s not a negative, but i’m curious how an underwriter might interpret that?