consolidation

My problem is this why do tthey advitise about settling your debt and you be debt free but when you apply they tell you its not approved due to affordability. So my problem is why do a person apply for consolidation its because you need some help with finance and so to lighten up your instalments which means by doing that you will beable to AFFORD to pay a loan in a comfortable manner . We just app**** now and the response we got it its not approved due to affordability I mean come on now why are we then applying its for old mutual to clear up our debt make a smaller amount for us tto pay so that we can AFFORD to pay