Just because you have an outstanding balance on your credit cards, a car loan, a student loan, and/or mortgage payment does not mean you wont be hired. Most people have borrowed money to pay for the more expensive things in life. What they want to know is if you are credit worthy. A person who is not capable of paying his bills may not be a dependable employee. If you have accumulated a large amount of debt on your credit cards, this too may disqualify you. Accumulating large amounts of unsecured debt shows that you have exercised poor judgement and may be a risk.