I'm applying for the career starter loan in about 2 weeks come May. I'm worried however I'll be denied. My credit score is a 630 because last semester I relied on my credit cards due to not being paid by the Air Force as a cadet (there were automatic payment issues with my account and I wasn't paid for 6 months). Due to this, I had a medical credit card closed because of a late payment. I've gotten everything paid off and my credit reports are saying that my payments for my normal credit cards have been 100% on time. Im hoping someone here might know something about how USAA chooses who gets accepted for this loan and can tell me my chances. I have a good payment history, not utilizing a large amount of credit, a closed account, and 5 inquiries over the past 2 years.