STEM degrees are what's most competitive, and your GPA is low. So you don't have much going for you there. Good news is that's not the end of the world. But those are the only stats you've given, so you had better work hard to stand out in other areas.
1. No one gives a shit about your student loans. They might come up when you get your clearance, but it won't be a big deal if you don't owe exorbitant amounts of money.
2. Get your PPL ASAP. You want to fly F-22s but you have 0 flight hours? I'm seeing a pretty big disconnect here. And no, I wouldn't consider a 2.8 GPA in information systems competitive for a fighter guard unit. But again, GPA isn't the end all be all. If you're a good bro with a well rounded application in other areas, you can still be competitive.
3. Build flight hours, study/take your PPL written, study for AFOQT/TBAS, and then take AFOQT/TBAS. Then come back and ask to be rated and you'll get a better answer.