Eric's Credit Community

I am a Prosper lender and seek to consolidate debt. I have been involved in the health-care profession for about a decade as a Respiratory Care Practitioner and a Registered Nurse. I work as a travel nurse and specialize in the critical care arena - ER and ICU.  Recently, I graduated from law school with a Juris Doctor degree; this was not an inexpensive endeavor and provides largely the explanation of my current debt load. So far this year, I have grossed over $50,000 in wages. My employers SOS Nurses Service Corp. (9 mos.) click here, Star Nursing (3 yrs.), and Pro-tem Personnel (8 yrs.) have good contracts with hospitals and I am never at a loss for work. Generally, I work three+ 12-hour shifts per week, so I can easily increase my earnings by picking up an extra day or two per week.  As I look toward my family's future, I desire to have ALL of my debt paid within the next 5 (five) years. My creditors are charging as high as 32% (thirty-two percent), so I am seeking to pay a more reasonable rate of interest and place about 1/2 (one-half) of my debt on a fixed 3 (three) year repayment plan. My DTI was 35% prior to submitting this listing. This loan replaces existing debt so my DTI will remain approx. 35% and will NOT increase to 48%.

My income source as an RN is secure. As a backup plan, I can readily transition into the legal profession since I successfully completed my law degree. My "C" credit rating would likely be a "B" but for the fact that the mortgage on my home is held by the Seller (a private-party) and not reported on any credit report; it is due to be paid off in 4 (four) years.