Eric's Credit Community

Purpose of loan:
First and foremost, thank you in advance for taking the time to view my listing! I am asking for this loan to take care of my family's debt; most is in my husband's name. We have been married 4 years.  The $19k loan will assist me in having a lower monthly loan payment with a light at the end of the tunnel for my husband, family, and myself. It will definitely give us a new beginning!!
My financial situation:
These are the $16,000 in cards I would like to consolidate the following:
Card 1: $9632 @ 32.24%
Card 2: $3490 @ 29.00%
Card 3: $1460 @ 30.49%
Card 4: $1260 @ 12.00%
Monthly net income: $ 6637.00
My Gross income: $4250/month
Husband Gross income: $3930/month
Total Gross income: $8180/month
My Net income: $3712/month
Husband Net income: $2925/month
Total Net income: $6637/month
Budget with Prosper Loan:
Monthly expenses: $ 5410.00 (w/o Credit Card payments)
Housing: $ 2650.00 (7.5% fixed,30yr w/ $339K principle)
Insurance: $ 300.00
Car expenses: $ 340.00 (Only 1 Car Payment- $18,513 -3 years left)
Utilities: $ 300.00
Phone, cable: $ 100.00
Food: $ 450.00
Gas: $ 320.00
Entertainment: $ 100.00
Kids (c/s): $ 300.00
Clothing, Misc. $ 300.00
School Loans $ 250.00 (I owe $25k)
Cash Flow: Net Income:$6637 - Expenses $5410= $1227
 **I will pay the Prosper Loan from the remaining $1227.  **