DIRECT STUDENT LOAN

Will i be denied a secret clearance?
I have less than $3000 in credit card debt and I have a Direct Loan(student loan) for $7000.
I have been late a few times on my credit cards, but all my balances are current and below the balance line.
I also had a collector call me for an $86 payment that was due to a doctor. I was two months over the age of 18 when I went to the doctors, the insurance was supposed to cover it but my parents never took care of it…so since I was over 18 the collector contacted me about it. I paid as soon as they called over the phone.
I’m just worried I will get denied for my clearance. I ship out to BCT at the end of may.
So will these factors deny me from obtaining my secret clearance?

People with defaulted student loans usually have their income tax return confiscated. However, this confiscation by Sallie Mae & assorted low life collectors, are never applied to the defaulted loan. Thus, this may be the 3rd year I have not filed Federal taxes. Does anyone know a way out of this morass?

I currently have 4 student loans out. One in a small loan I plan on taking care of myself. One is Sallie Mae. One is a Federal loan and one is a Direct Loan. I want to reconsolidate my loans and am wondering which company offers the lowest interest rate?

I want to study in Canada and I assumed that I would be able to get student loans as any other UK citizen but I have heard from some that I cannot, whereas from others I have heard that I can.
On student finance wales I used the loan calculator and selected non-UK institution, and it concluded that there is “not enough information” to calculate my entitlement. On student finance direct (the slc for england), apparently I can get tuition fee loans and a maintenance loan of around 5500 per annum.
I suppose I don’t expect the maintenance GRANT (though that would be nice), but surely I could get the loans.
What is the truth on this matter?
Thanks in advance.