I have 11000 GBP debt for owing family money to get my drivers license, buying a car, traveling Australia, home improvement and paying for private tuition to meet entry requirements for a particular job within the british army. I began my application over a year ago and have continued studying to meet the criteria and I am worrying if this would be classed as bad debt. Although I calculated this loan from my bank very carefully, I worry that the army will view this as bad debt. I fear this as a friend applied and was rejected for owing 16500 GBP of bad debt (bad credit). Although I always make my payments and I know I can afford the monthly repayments over the 5 year period, will I be discriminated against for this financial choice?