<prompt> Human: Hi - Im hoping you all can provide some clarity on this situation, because Im confused. I applied for an auto loan. The terms were 20k loan, over 36 months. The car Im looking to buy is 45,000. I can provide a 25k downpayment. I have a 731 credit score good, but not great... my of accounts is low, and so is my average age of credit. I make 104,000year and my expenses arent too extravagant - 1500mo in housing, and thats about it. I have about 22k in student loans that Im planning to pay off in the next 9 months. Can someone explain to me what might have caused me to be declined?  <response>: Youll get a letter that tells you why. 