Does the interest due on a loan get taken into account for a DAS? I know credit card interest gets frozen and can't be added but what's the situation for loans? We took out a £20k loan in 2017. The outstanding balance they're saying is roughly £25k. I worked out the principal sum outstanding is roughly £17k so can the extra £8k be added to the das or should they exclude it? We have a debt advisor but they're closed today and I'm worried that this extra amount might mean we don't meet the affordability for paying off the das in ten years.