What we are seeIng in Texas is that student loan debt levels are actually lower than what we have seen in other areas such as the west, south-central regions.  Partly for this reason younger buyers can now visit with a lender and look to buy something while interest rates are still low, but less inventory in lower priced homes.  Just takes a while to find something, but most Realtors are glad to work with you, IF A BUYER STAYS WITH THEM TILL CLOSING.  Now is a good time to buy!  Sorry this last sending was about Valentine’s spending, but just too good a holiday to pass up.