Please Help a teacher get a car and pay off debt!
| Listing Information | |||
|---|---|---|---|
| Amount: | $9,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 26% |
| Lender Rate: | 17% | Borrower: | joplinjames |
| Finished | State: | NM | |
| Funded: | 100% | Group: | BORROWERS - Free instant Listings - LARGEST GROUP |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-04-12 | EricsCC ROI: | 13% |
| Status History | |
|---|---|
| Apr 12, 2007 | Current |
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Hello, I am thirty-three years old, originally from Illinois. I'm currently a Public School Teacher in rural Southern New Mexico, dually licensed in Elementary Education and K-12 Special Ed. I have been teaching a total of four years. I earned my Master's Degree at UMKC (Univ. of Mo at Kansas City) two years ago while I was teaching full time at an inner city school. I was one of a few dozen applicants selected out of hundreds, to enter a program called Teaching Fellows. This program paid for my Graduate School as long I taught at an inner city school. I purchased my first home in Missouri in 2003, which I still own and currently use as rental property. I purchased my second home in New Mexico two years ago. I have a family of 5, three dogs and two cats. I enjoy hiking in the great outdoors, hence why I moved to New Mexico. I am also involved with the NEA and I was recently elected Vice-President of our local chapter, I will assume the VP position in June. I was also elected Vice-President of a theatre group (Cloudcroft light and Opera Co.) in Cloudcroft, NM. I will be directing a performance this summer for CLOC. Several months ago, I was in a bad car accident. I lost control of my vehicle, sightseeing on a rural mountain canyon, it slid off the edge of the road (no guard rails) and rolled into a canyon. I survived! Unfortunately, I had reduced my auto insurance to liability only after I had paid off my $9,000 balance. My car was a total loss. I am using a pickup truck (fully insured), but driving up and down a mountain in a pickup uses too much gas. My credit is not bad, it has ranged in the 620-640 range. The fact that I own two houses and have student loans, hurts my credit. All payments are current. MONTHLY FINANCIAL DETAILS Net income: $2,300 Rental Income: $900 Total monthly Income $3,200 Mortgage: $1,500 (includes property taxes) Cell, internet and home phone: $110 Propane: $30 (solar passive home) Electricity: $40 Car Loan: $0 Food: $300 Insurance: $200 Credit cards and loans that won't be paid off with my Prosper loan: $130 Total Monthly Expenses : $2310 I will have $890 left to make the payments on my Prosper loan. In 2 years, thanks to our Governor, I will have a $20,000 pay increase. This is in addition to a 7% annual increase in pay the legislature has approved each year. I believe in the power of people coming together, I hope you believe in me! If you bid on my listing I promise that I will not let you down and promise to pay off the loan within two years, if not sooner. Thanks for your help, Joplin Sell< |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 114289 | TEACHER NEEDS BETTER GAS MILEAGE CAR AND PAY OFF CC. Thanks! | D | $9,000 @ 19% | Mar 21, 2007 | Withdrawn |
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