Ahh, the shadow credit report. So they develop a tenant "profile" of a bunch of personal and financial details and run it through algorithms for a computer to decide if the tenant is high risk or not. That screening tool has even less regulatory oversight than credit scores, and people and advocacy groups have raised concerns that these secret screening methods are a way to bypass equal housing rights and discriminate against otherwise acceptable candidates. For your sake, I hope it's the screening tool basing it off your student loans, while still a poorly applied derogatory remark on your tenant likelihood, and not some other BS discrimination.