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Does a creditor have to consider my part-time or retirement income?

A creditor cannot discount or refuse to consider your (or your co-signer’s) income because it comes from part-time employment. 

A creditor also cannot discount or refuse to consider income that is an annuity, pension, or other retirement benefit.  Like all other forms of income, however, a creditor can consider the amount of the income and likelihood that it will continue.