It is important that a consumer who wishes to apply for a loan understands how to approach the company. A consumer's understanding of how these programs work and a record of the complete history of personal finances underscored with accountability and integrity will go a long way in convincing a consolidation company to extend funding. The purpose and amount of the no equity debt consolidation loan will also be a determining factor in approval. Many companies offer a no-obligation consultation and a quote bid, so checking out several no equity debt consolidation loans is well worth a consumer's time. But the most important aspect of handling our finances is having the right attitude so that we can change the bad habits that brought about the problem. The psalmist writes, "Our help is in the name of the Lord, who made heaven and earth" (Psalm 124). He is our first source for financial counselling.