Spoke with a rep and got a manual review and approved me without any issues. It would seem 2 of my student loans I consolidated are showing as 120 days past due, even though the balance is showing paid in full. This was a Wells Fargo error from long ago, when I did a consolidation and they dropped the ball and only consolidated 6 of 8 student loans. That triggered an immediate denial.
Next step, call Wells Fargo and yell. They need to show the accounts as satisfied and paid in full.
Barclays is good at recons.