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It has to be more than student debt. Like being severely delinquent. It having declared bankruptcy. Or being in such debt that you’d be at risk of bribery.
They only care about your risk to be bribed or blackmailed and that you are honest.
Never declared bankruptcy. Trump has though numerous times, so it can’t be that. 85% of my debt is student loans… And nothing is delinquent. 10% car loan, 5% elsewhere. It doesn’t often go the way that we think it should