Setting up a fully amortized payment for student loans will help with the debt to income ratio vs using the 1%, this can be used by FHA or Fannie Mae.
The graduated payment or IBR plan will only be an acceptable proof of required payment for Fannie Mae.
It really depends on the program that meets your overall requirements. It also depends on the lender you are obtaining financing with, it could be they have overlays.
I am part of Gustan Cho's team, we have NO lender overlays.
If you need any other information or have additional questions feel free to contact me:
Maria Windham # 813-352-7523 email@example.com