Eric's Credit Community

Purpose of loan:
(explain what you will be using this loan for)
Debt consolidation for  school loan, credit cards
My financial situation:
(explain why you are a good candidate for paying back this loan)
I am a good candidate due to the fact I am working two jobs $2500 monthly (full time) $1500 monthly (part time) I could pay the loan. I just need some assistace to lower some of my loans, My wife an I will have a baby soon so it will definetely help us.
Monthly net income: $ 4,000

Monthly expenses:  
  Housing: $500 (rent)
  Insurance: $125 (car)
  Car expenses: $450        
  Utilities: $ 250
  Phone, cable, internet: $125
  Food, entertainment: $300
  Clothing, household expenses $ 250
  Credit cards and other loans: $1000 (capital 2) Will be paid off with loan, $500 (houseold card) Will be paid off with loan,
  $1500 (kay jewelry) Will be paid off with loan, $5000 (school loan) Will be paid off with loan, $27000 (car )
  Other expenses: $ Baby things in the future (Clothes, food/milk, pampers)
  The only loan that I'll have is the car If I have this loan. Please do consider this loan for me and I will promise that I will pay it 
  on time w/ automatic debit monthly. Thank You Very Much! This would be a great help for my wife, our baby, And I. I know 
  that I do not have the perfect credit, but please give me a chance to prove that I could really do it. I am very determine to pay
  the loan. This is my last chance to give a better life to my family and I. My wife does not have work right now, so this
  would definitely help us out with our new baby girl coming. Thank you very much by taking time to read my loan request.
  God Bless!