I have a strong rental history...we dont have any outstanding credit debit...we have no evictions....nothing bad from where we have been for the last 2 years and before that I was in a house for 10 years...we make the 3 times they require.... but because of student loans we are turned down...tell that to my grandkids you assholes....they are way more important then student loans...they come first...hope you have fun with my $120