Sorry to hear that, but they really denied you for a $10,000 student loan and $3,000 personal loan? Is your credit bad or have you never missed a payment etc? I got in, and i have a car loan of $14,000 and a student loan of $3500...this worries me now, though, with potential problems on the security clearance.
Edit - My fault, it was late when I read this and for some reason I replaced 'past credit history' with 'past debt history' or something...I dunno, it was late. Anything and everything is causing me to freak out right now..I ship out next Sunday, so i'm a bit nervous.