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Mortgage and student loans
They may not look at these types of debt because one is secured (the mortgage) and MUST be paid if you want to keep your home.
The other (student loans) are considered non-negotiable. You can't even get rid of them through bankruptcy. While you may sometimes qualify for a forbearance, or period of time when you don't have to pay on the loan, the loan must, ultimately, be paid in full or the government does all sorts of fun--NOT--things to your credit score, paycheck, social security, tax refunds, etc.
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