<human>: Here's the deal Reddit.

I've been out of college for about a year now. I had a job but was really only making just enough to survive. I was living with my parents and they charged me rent, and I had car insurance to pay so my paycheck was gone when I pretty much got it. Now I am living with some friends in a new city and trying to get my own place. I'm getting a new, decent paying job and am looking at apartments.

The problem: I haven't been able to pay the money I owe for student loans back at all yet. And I am now having debt collectors call. When the paychecks start coming in I'll be able to afford both the apartment and the student loans, however, I was told that because no loan payments have been made yet that I might not be able to get an apartment. Is this true?

Can you condense the text into a few key points?
<bot>: I haven't been able to get pay back my student loan at all over the past year, and was told that this will hinder my chances of getting an apartment. Am I screwed?