If you earn 250K, but debt is 1M, it won't help to loan 100K.
If you earn 150K, but debt is 10K, it won't hurt to loan 250K.
If you earn 250K, but debt is 1M, it won't help to loan 100K.
If you earn 150K, but debt is 10K, it won't hurt to loan 250K.