I would get a copy of my credit from each of the credit score keepers like experian, trans union and the others. While you may have racked up alot of debt in college, if you have been making regualr on time payments even the minimum, the debt should be going down and only raising the score. Are you late on any cell phone, utility, credit card, rentals, doctor bills, hospital bills, insurance payments, mortgage, even a library issue. If you have been you will need to start clearing it up by paying up every month on time and catching everything up. If this is the only determining factor is the credit report. I'd spend the time over the next few days looking at the results(you can get the results online of a credit report and print them out) make sure all the debt is yours and see where you are deficient as well as your husband and write up a plan of attack to raise the score. So if you are asked you can have a reply and a solid looking plan to fix things, so if this is the hiccup for the job offer you can return with a solid answer and plan. This will let them know that you can problem solve and have the desire to make good on everything. If this is the issue of not getting the job offer you will know what you have to work on if you can't convince them this isn't a trend for you.