Upvote:3
You are likely to arouse at least some suspicion. You are:
It might be in your interest to not bring up the student loans unless asked. They're a liability, not an asset, both financially and immigration-wise. Claiming you want to return home so you can start paying money is not convincing.
The term "girlfriend" is ambiguous. It might be in your interest to refer to her as simply your "friend" if you are not romantically involved. This may not matter a lot, and in any case you should be honest if asked to clarify the relationship you have with this person.
Hopefully you have a substantial amount of money in your bank account(s). One or two thousand bucks is not going to seem substantial given your circumstances.
If you do have an apartment lease back home, or are comfortable getting one (even if you sublet it whilst away), that might be helpful (you could bring a copy of the lease, though I don't think immigration would normally expect to see this).
Finally, as Michael Hampton said in a comment, you could get a job offer. You don't even have to actually start that job when you return, if you decide it's not for you, but a signed and countersigned offer letter might be helpful. Ideally for a job other than flipping burgers. This piece is probably the hardest to get, but on the other hand that may make it more valuable from the immigration officer's point of view.