I am so confused.Ok so I have a high fico score 757EQ 745 TU EX???. I make 2750 gross 0% uti because i just opened it and never use it. 18% DTI I spend 485 a month in bills. Would I qualify for a loan 24-27K? I belong to a credit union. What other factors are there. I have been at this job for 6 months because the last place closed down the office. I have student my longest loan is 16 years my ave is 6yrs and 9mnths. What else am i missing?