Correct me if I am mistaken, you have saved approximately $15K and you have net monthly disposable income of approx. $780. I would imagine an adjudicator would want to know why you were unable to address the 4 unaddressed debts given the saving and monthly disposable income. I don’t believe that it is enough to say something to the effect of “I am in a program and it will be settled on X date in the future” or “I plan to pay it off after securing this job by selling the house.”
If there’s anything I’ve learned from reading about security clearance process, it is that actions speak louder than words. This is why I have a feeling that you have a better chance with a judge.
If I were you and the job is a dream job, I would make the sacrifice and start paying/settling the 4 unaddressed debts. If I need use the money that I saved, so be it. Regardless, it is your decision and I wish you luck.