I have a bad credit score b/c of school loans not credit cards. I make all payments on time, but high debt.?

I'm also a nurse and have been paying rent (0/mo) on time in same apartment for 2.5 yrs and saved all money order receipts. Will this make a difference in getting approved for home loan (1st time buyer)?

View this post on my blog: http://travelnursesuccess.com/i-have-a-bad-credit-score-bc-of-school-loans-not-credit-cards-i-make-all-payments-on-time-but-high-debt