I have 2 and a half years worth of student loans to pay back and I am wondering if this will affect my application for the K-3 visa to the USA? Would it look better if I took out a bank loan and paid off all my debts so that I was only making one payment a month, instead of several to credit cards (3, all under £500 each) and nearly £11,000 of student loans. I also have 2 £1000 overdrafts to pay back.