Eric's Credit Community

I am a 23 year old recent college graduate with a master?s degree in Criminology. I am currently employed as a probation officer working for a county government in .

I will use this loan to pay off 3 credit cards:

Visa                 $3299 @ 24.99% (mo payment $100)
Master Card     $2692 @ 22.24% (mo payment $79)
Visa                 $4217 @ 19.8%   (mo payment $138)

About 18 months ago I incurred approximately $7000 in medical bills at one time so I ran up my credit cards balances. I always pay my bill on time. If I was able to consolidate them I could pay them off sooner and pay less each month in interest.

My income is $32000 a year plus about $700 in overtime. Plus I have a part time job were I make approximately $4800 a year. 

My future goals once I pay my outstanding debt is to purchase a home and I am considering Law School once I am able to better afford it. I want to consolidate my debt and improve my credit score so that I am able to make these things a reality.

My Budget:

Income - $2500 net per month

Rent - $500
Utilities - $60
Cable $50
Food - $125
Car Insurance - $100
Gas - $125
Best Buy - $20
Phone - $90
Student Loan $125
AMEX - $50
Entertainment - $100

Amount remaining to build savings, pay miscellaneous expenses, and pay back prosper loan - $1155   

Thanks for your consideration of my loan request. You can be assured that I will be a good investment. My word is my bond and in my profession honor and integrity are everything.