The biggest piece of advice I can offer is to figure out how much you can afford to pay, not how much the bank is willing to give you.
Good advice right here.
Also, when figuring out potential hypothetical payments ask yourself "would we be able to swing this payment if one of us lost our jobs or got hurt and couldn't work?"
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"Remember that apathy has no place in our Sorority." - Kelly Jo Karnes, Pi
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