Eric's Credit Community

A little about me:
I am a hardworking 29 year old professional who has consistently worked and has a stable income. I live with my elderly grandmother who I care for. In addition, I am actively involved in caring for various members of my family. I am a very family oriented person who also strives to succeed in the workplace. In the last decade I have endured many hardships. And now that I am turning 30 I want to take a stand to repair my life financially. I am committed to improving my finances over the next 4 years so that I can purchase my own home and have an optimum budget and credit.
About my Credit:
There are negatives on my credit report that I feel do not accurately reflect my current situation; such as in 1999 I defaulted on my student loans but in 2000 I reconsolidated them. This was due to some extreme family circumstances at the time. They still show negatively on my credit report and won?t come off until the end of this year even though there are $0 balance owed. I also want to add that there are excessive inquiries as I was trying to find an on-line lender that would help me but they send your info to multiple lenders causing higher inquiries in your report. I realize that my DTI is high but this Prosper loan would be a first small step towards my financial recovery. My financial verification information (W2, Paystub,Credit Report) has all been submitted and reviewed by my group leader.
My work History:
I am currently employed as a Manager of a Manufacturing company making 69K annual from 1/02-Current. I have had consistent and steady employment since 1995.
Why I need the Loan:
I have a family emergency that needs to be taken care of. I need to pay a bill by April 1st. The total of the bill is $6,000.00. I already have $3,000 of the bill and need the other $3,000. In order to make the payment on time.
How I will re-pay the loan:
See profile for additional budget detail.

Before Prosper Loan
Total Monthly Expenses/Bills/Debt Payments= $3,171.93
Total Monthly Income= $4,528.00
Monthly Savings After bills= $1,356.07

After Prosper Loan-
Personal Loan From Prosper= $125.72
Same Expenses/Bills/Debt Payments = $3,171.93
Total Monthly Expenses/Bills/Debt Payments = $3,297.65
Total Monthly Income= $4,528.00
Total Monthly Savings After Bills= $1,230.35

As you can see even with the Prosper repayment figured in I will still have an additional $1,200.00 available to me monthly