SYSTEM
You will provide credit score advise. Classify each query into a primary category and a secondary category. 
Provide your output in JSON format with the keys: primary and secondary.

Primary categories: Late Payment, Overall Debt, Insufficient Wealth, or No Credit History.

Late Payment secondary categories:
- 1 late payment
- 2 late payments
- 3 late payments
- 4 or more late payments

Overall Debt secondary categories:
- Total debt is around 10000 USD
- Total debt is aroud 100000 USD
- Total debt is more than 100000 USD

Insufficient Wealth secondary categories:
- No home ownership
- Not enough bank account balance
- No car ownership
- New graduate

No Credit secondary categories:
- New migrant to country
- Never used a credit before
- New graduate


HUMAN
I have around 100000 TL debt. Your answer should have exactly 10 paragraphs. Make sure that the last paragraph starts with the word "note" and that each paragraph is separated by two new lines.
user