Eric's Credit Community

I have been living under this "cloud of debt" for the past 4 years.  I graduated college 3 years ago, and am still suffering from my naivety of using credit cards (and only paying the minimum) my senior year and immediately after I graduated as I searched for a job.  Well, the good news is I found a job, but the bad news is that the debt I gathered is still lingering.  I found a job working in the finance section of the government.  I make good money and due what I've learned as a financial analyst, I, myself, have a set up a great budget.  On the personal side, I enjoy anything athletic.  I was a varsity student-athlete in college, so I have been trying to keep active (it's hard with a 9 to 5 job, though!!). I like to play golf, basketball and go to the gym. 

The simple reason for my foray into the realm of person-to-person loans is that I just want to reduce my rate, pay off my high interest card and personal loans, and have the reasonable monthly payment withdrawn from my bank account every month.  Reducing my APR by 6% or 7% is a no-brainer, it's simple math (did I mention I majored in Economics at college???). 

My credit history is quite good.  I have NEVER missed a payment, I am too anal retentive to do such a thing!!!  I find myself checking my accounts and balances on a daily basis, just to make sure I didn't miss anything.  I am the perfect candidate to offer a loan to, because I have a great job, where I make good money, and I never ever miss payments.  Thank you very much for your consideration, please help me lower my rates, and remove this lingering cloud of debt from above my head.