For young people looking to buy their first homes, there’s a big obstacle: student loan debt. It’s not holding back everyone, but debt obligations have a huge impact on the mortgage approval process, not to mention the ability to save for a down payment and other home-buying costs.

One bank decided it would shake up how student loans affect someone’s ability to get a home. Gate City Bank in North Dakota incentivizes student loan borrowers to buy their first homes by offering education loan refinancing with a fixed 1% APR, if they finance their home through the bank.

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