Can your personality affect the loan officer's decision when applying for a consolidation loan?

Believe it or not it sure can. NEVER go into a banking institution on a Monday or Friday. People tend to be more grouchy as employees or people with the power to loan money on Monday because there is a full week ahead and usually work to be caught up on after the weekend. Fridays are hectic to tie up business before the weekend comes. When you sit down with the loans officer be sure you act mature and don't be afraid to admit you over-extended yourself without realizing it. DON'T LIE! They know a lot more about your credit rating than you do. Smile, be pleasant and mean what you say. Let them know you are making a great effort to get yourself out of debt. Good luck