You would not be turned down because you have college debts. Almost every graduate is in that boat.
Hang in there. I remember having scores of letters declining my offers to work for companies and pounding the cold Chicago pavements thirty odd years ago and eventually it worked out. Things will work out for your. Perhaps you should consider moving to an area where employment is relatively strong.
Don’t take this the wrong way but the job market right now is not even what it was 30 years ago. It is brutal.
Also re: college debts on a credit report.... In a staxk of 1500 applicants it could come down to whoever has the highest credit score.
Also who, what,when and where started the looking at credit reports for car insurance? Liability is required by law and fined if lapsed.
The only thing not held against someone now is buying a car they won’t hold medical bills against you on a credit report.
You need a job to buy a car.