<prompt> Human: No debt except student loans which I am behind on. Edit: Im a fucking child and dont know finances. But I make 65k and I live in so cal. No credits cards because when I was 22 I racked up 3,000 in debt and never paid it. Im 31 now. I own a car but its in my gfs name because of my credit but I pay 400 in car and insurance payments.  <response>: you are going to need to provide a heck of a lot more information than that, but I would guess that being behind on payments has a lot to do with it. 