HUD has announced that they will reduce the student loan payment required to include in the DTI to .5% when there is no payment listed on the credit bureau. This will be required for all cases assigned on or after August 16, 2021. However, you may begin to use this immediately!

Full Mortgagee Letter available here:
https://www.hud.gov/sites/dfiles/OCHCO/documents/2021-13hsgml.pdf