Look at all the options and see which one would NOT be a positive change. In order to get a loan, you want as little debt as possible, which rules out option A because getting rid of debt is good. You also want a high paying job, which rules out option C. Finally, your credit score is very important in getting a loan. You want the best credit score possible, which rules out option D. This leaves option B. This would be the answer because, as I said before, you want as little debt as possible, so increasing your monthly debt would not be helpful at all in getting a loan.
