What matters is the payment currently reported on your credit file, not the loan's original balance or the program it came from. A lower monthly payment on the same balance improves your ratios, and a higher one narrows how much mortgage you can carry.
Because the payment amount drives the math directly, paying down or consolidating a student loan before applying, or getting written confirmation of a reduced payment, can meaningfully change what a lender is willing to approve. A mortgage broker can model both scenarios before you shop for a home.
The rest of your debt picture matters just as much as the student loan line. Get your hand-reviewed valuation from Joel Dyck.