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Thanks for the help! Your post is very informative. I'm going to talk to my bank next week and see what they say. As for debt I have about $9500 in student loans (payments are a little over $100/mo) and a few hundred on the credit card, so that shouldn't be a problem.
Oh, and one other question. About half my income is salary, the other half is a business venture (invoiced as a "consulting fee", taxed as misc income). Is the latter considered less significant since I'm not on a company payroll?
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