have been on mine a while now, before recession. am old so worked many years before and met those requirements. But had hospital and treatment documentation dating back years. That may have been helpful. However, though I know today's climate is different, I do know a few people who have managed to get approved. The only thing in common they had was all their ducks were in a row, re treatment, documentation, attorney, etc. Only one of them had a lengthy history. The best and good luck!