Honestly, the loans themselves are probably not the problem. I have loans, and I never had a problem with meeting the TS requirements. I know lots of other people in CT rates with loans too.
The issue is probably
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I have had issues with making ends meet to repay my student loans in a timely manner and have applied deferment many times.
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If you're documented as being fiscally irresponsible, that's a red flag. Doesn't matter whether you currently have loans or not, you have a history, so it's more likely you'll get in debt again. Improving your credit score might help.