What does getting a "post-baccalaureate degree" (cue the marching band playing "Pomp and Circumstance") have to do with anything here? 

Do any of y'all more experienced investors have any recommendations bases on our circumstances.

Sorry, but you're wrong, you make claims based on your opinion and have zero understanding of the actual law just like the guy above who just posted a link to an article that he THOUGHT was proof that email is not proof, thinking it was a court decision, when it wasn't, the article actually stated that the GAO, a federal administrative agency actually erred in their decision and that two federal cases tried in an actual court with similar circumstances resulted in federal judges ruling against the government, siding with the plaintiffs who sued the government.

No need for anyone to ever know.Statistically you will never need or use it and in the very rare circumstance the need should arise you will be more concerned about covering your butt than pulling the trigger anyway.

You admit to placing the paper towels in the toilet which is an improper use of the fixture.Per Paragraph X of your lease agreement, any damages due to your abuse or neglect of the home are your responsibility. 

However, in most circumstances you would want to have at least 91-95%+ PO at all times unless you are performing some moderate-to-heavy interior renovations.

Currently, I'd only be able to take out a mortgage loan for 60-70k, but the amount would more than double if the student loans were removed from deferment.Has anyone had experience dealing with a similar circumstance?

Those specific costs would be included in your depreciation basis for the rental portion of your house.Consult your CPA for more specific guidance as it applies to your unique circumstances.

What you need to do to get such a title depends on the circumstances and the appetite of the particular title agent. 

Change jobs and adjust to a more frugal lifestyle.Keep in mind that a paycheck to paycheck life style is by choice not circumstance.