How To Raise Credit Score & How To Get Out Of Debt

Help with air force debt income ratio!!?

I recently received the news from my recruiter that I cannot enter the Air Force b/c of my debt income ratio. This is b/c I am part owner of a home. I got laid off from my job in April. So it looks like a big debt on my shoulders. But in fact my boyfriend is on the loan as well & it’s not just me. It gets paid on time. Because he owns his own business and pays the mortgage. It’s never been paid late. And I also do have a credit score of 771. Is there anything that I can do? Can someone please help ASAP!!!
He called me in so I could speak with him tomorrow. We’ve discussed refinancing the house. I will see what the recruiter says tomorrow.
@Jeremy let’s be realistic for a min. If I had over 200k to pay off the house, then this would not be an issue.

Your debt fall into security risk.
Most Air Force enlisted jobs and assignments require a security clearance. In order to obtain a security clearance, one must be a U.S. Citizen. You can still enlist without U.S. Citizenship, but your job choices and assignments will be limited to those which do not require a clearance.
Some Air Force jobs don’t require a clearance level, but — due to the nature of the job — still requires a favorable background check. These jobs require what the Air Force calls a “Sensitive Job Code” (SJC) of “F.”
Of course nobody can tell for 100 percent certain whether or not a security clearance will be approved, and the process can take several months. This is where the Security Interviewer comes in. He/she will ask you a whole bunch of questions about your past (drug use, alcohol use, mental health treatment, finances, criminal history, etc.), and is pretty good at making a prediction as to whether or not you’re a good candidate for security clearance/SJC approval. This, in turn will affect which Air Force enlisted jobs you are eligible for.