Prospective Tenants only have student loans on their credit report

[Stephen Solano]

How do you treat a tenants credit application that only has student loans on their credit report that they just started paying 3 months ago? In my opinion, this is a very weak history of their ability to repay debt even though their actual scores do meet my minimum requirement of 650. There are no other loans or credit cards on either of the 2 applicants. Curious how others would approach this

My requirement is: "Minimum 650 credit score with sufficient credit history"