The Jablonski family has a monthly income of $6,500. They're applying for an FHA loan with monthly payments of $2,200. They have student loan payments of $300 per month and a minimum payment of $20 on their credit card balance. Those are their only recurring monthly obligations. Do they qualify for the loan under the standard FHA underwriting rules? If not, what are some compensating factors that would allow a lender to approve the loan anyway if any of those factors were present in the Jablonskis' situation?