back to school costs to finish my bachelors degree
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,500.00 | Status: | Loan created |
| Grade: | AA | DTI: | 5% |
| Lender Rate: | 8% | Borrower: | kallisti |
| Finished | State: | FL | |
| Funded: | 100% | Group: | Government Employees |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Paid | Origination Date: | 2007-06-05 | EricsCC ROI: | 7% |
| Status History | |
|---|---|
| Jun 03, 2007 | Current |
| Feb 10, 2008 | Payoff in progress |
| Feb 15, 2008 | Paid |
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Please help me fund a small loan to help me get started at a new college to finish my bachelors degree! I am in an ideal financial situation and have a great credit rating. I would really like a Prosper loan instead of a higher interest loan from a bank. In fact, I am a Prosper lender myself. I would like the money to cover the cost of my first summer class and some one-time application/registration expenses, because I can?t get financial aid until the fall semester. I will use the remainder of the money to purchase a new laptop to help me at school and home. I need the new computer because I am finishing a degree in information technology and my current computer is over five years old. REQUESTED LOAN: $3500 ($1000 for school expenses, $2500 for new laptop) MONTHLY BILLS: my share of rent: $450 my share of utilities: about $75 (includes cable/internet, electricity, gas, and sewer/trash/water) cell phone: $75 student loan: $75-$100 (I try to pay more than the minimum) CREDIT CARDS: I have four credit cards. Don?t worry: I only use one of them, and that?s on an irregular basis. It has about $480 on it right now (credit line $5000, APR 19.8%) because I bought some plane tickets for my girlfriend and I earlier this month. I plan to pay this balance off by the end of June. I never use the other three cards because I simply have no need to do so and have been done with the credit card game for a long time now. Most have been completely paid off for over 1 year and unused for even longer. JOB/SALARY: I currently earn $32,240 yearly (equivalent to $15.50/hour) as a pension benefit administrator at PBGC (www.pbgc.gov). PBGC is the U.S. federal government agency for pension insurance. It is a stable office professional job. I have gotten 1 promotion and 4 raises in the past 18 months for good performance. My monthly take home (net) pay is about $2030 (after taxes, health insurance, and 5% to my 401(k) plan). I usually put an additional $140 aside each month towards my money market savings account. SAVINGS: I have about $3000 in my 401(k), about $230 in individual stocks, $400 in my personal money market account, and about $500 in a joint money market account with my girlfriend. MY FINANCIAL SITUATION: I am in a very good situation because my largest debt is a student loan of about $12,000. I paid off some credit card debt I had accumulated a long time ago. I make more than I need and do not ?shop? ever. I mostly just buy what I need and try to save as much as I can. I have two roommates, which helps keep my rent to a minimum. I usually ride my bike to work so I never spend more than $40 per month on gas, even at today?s high prices. Please consider funding my loan. You will not be disappointed. Feel free to message me with any questions. |
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