Disqualifiers can include taking trips for vacations to E”Y or elsewhere, having luxury cars,
Please define “Luxury cars”. Is a 2002 Lexus a Luxury car vs a 2016 Honda Accord . Who decides this
Why should a vacation count against you? How do you know who paid for it, Maybe the person had Miles/Points or the parents paid for it. It is healthy to have a vacation. Maybe an African Safari is over the top. but even trips to Israel might not cost as much as you think especially if they have relatives there they can stay for free