We use the same sorts of diagnostics that a bank would use, so we have a matrix. We look at their credit reports and things to see if they've had any issues. Unfortunately, you'd be surprised at how many 22-year-olds have blown their credit scores because of cellphone bills, gym, and things of that sort.
We're not worried about student loans and things, but things that really damage their creditworthiness because we do need the repayment. When we find that they have an issue, we often counsel them through that or get them help, so that they can restore their credit scores.