does a retirement loan count in my debt to income ratio

[Robert Cummins]

Hello my question is will a Civil Service retirement loan be counted in my income to debt retio...it will not be on my credit report and when I retire I will no longer be required to make the monthly payments because a lump sum will be taken from my total disbursements. I took the loan out a year ago,$35,000 and currently have $53,000 in the account ....any responses will be appreciated.