My recruiter sent me a spreadsheet which did the calculations for me. I had the same issue. I'm almost 32 and have a fair amount of debt. Lucky, our mortgage is in my wife's name and therefore does not count against me. My recruiter was in contact with CGRC frequently about this issue and I believe he got the spreadsheet from them. He told me to only include MY direct debts; as others have mentioned: loans, debts, and rent. He told me I should not include my wife's debts (which would have definitely put us over the top). I filled this out and attached billing statements from all of my accounts as proof for what I pay each month to an email for my recruiter to forward to CGRC. I was approved and ship out on 3/31. I would ask your recruiter about this specifically and see what they say before doing much else, but as always: take what you find on the internet with a grain of salt.
(I attempted to attach the file to this message, however the forum gave me an error: "File type is not allowed". When I tried to adjust the file type so I could send it through, the spreadsheet showed as password protected. Maybe your recruiter can ask CGRC directly for a copy of the "Financial Obligation Estimator Auto Calculate" spreadsheet file. Alternatively, PM me your email if you want and I can also forward it to you that way, although I'd like to avoid violating any kind of proprietary documentation limitations. Maybe someone on the forum here can shed light on whether or not I can send this file as it only appears to be a simple calculator and would not be a national security threat. Regardless: again, talk to your recruiter! It sounds like they're having difficulty locating this information, but it is out there. Just mention the file name to them and that they may be able to get it from CGRC, but "you're not really sure, only what you heard through the grapevine, just trying to help". Don't be a know-it-all or disrespectful, but I'm sure you already knew that.)
Best of luck to you.