My mistake...I just pulled up my credit report and I have $20000 in student loans that all show pays as agrees/deferred. Didn't realize until now since my parents are the ones that handle my school finances and will be the ones to pay them. Will this hurt my chances of getting the approval? I don't want to cancel the united card but I will if necessary. I'm just trying to get the approval without cancelling. A few people just got let go this past week at my job after I applied so that means I'm going to get more hours now to pick up their slack so I will definitely tell the rep that my income will immediately increase to show for that.