[Thorrez]

Those mostly don't really seem positive. Future debt isn't a concern... because no one will give a loan to someone with no credit history. No past work or education experience will make it harder, not easier to get a job.

Being well off is positive, but if you're well off in a less-developed country, you'll actually be less well off in the US because of the higher cost of living here. So immigrating made that worse.