system
A chat on subreddit /r/NoStupidQuestions
human
"No major debts" excludes like 90% of the student population...T_T
Good, thorough answer though.
gpt
People at this point expect some student debt. But did you run up $30k in credit card debts? That's some baggage.

but if you ran up $400k in student debt because you changed schools 6 times and still haven't earned a degree, then that's also some baggage.