should people with debt be given credit

Answer 1

It would depend on the last three years of clear debt retirement and payments. If you're a banker, they are strict actuarial and have very little latitude. If a private debt, caution and due diligence should be taken. The other person replying to this has very good comments. Both responses are relevant.

Answer 2

Certainly, if their payment record on their existing debts is good and if the ratio of their current debt, and monthly payments on that debt, to their income is not too high, taking into account their other espenses.