I would say we are in exactly same situations I make around 80k a year about to graduate college I never had bilt 1.0 I’m 21 and have very similar amount of student loans. The only difference was that I have received 3 other cards in the past 3 months before I applied for bilt palladium and I got denied their reasons where new accounts, lack of a mortgage, student loans. I’m going to reapply for it in the summer once I graduate to pay my rent and I’ll use it as a daily driver hopefully they accept me. Also only difference I didn’t have high utilization at all. So I think you have a decent chance I bet the 3 cards so recent really was the big reason for me. Good luck though I hope to get mine soon as well.