I don't know why they wouldn't...because I've been late a few times...but that's why they are offering it. I don't know. It's the negative thinking. Part of me thinks they won't approve it just because I'm me. Hopefully I have forestalled the lecture by thanking them profusely, telling them I hate having to do it and I'll repay it as soon as I can and make payments until I can pay it in full. Think positive, think positive. Realistic but positive.