Lenders please help me again!

I have determined that the ONLY way for me to get ahead is to go back to school full-time to finish my computer science degree in order to get a higher paying job in the computer industry to pay off my past debts, get my credit straightened out, and put money away for my family's future. With my computer science degree my annual income would double almost immediately.

I have been a member of Prosper since October 2006 and this is my second Prosper loan. I successfully paid off the first one satisfactorily and way ahead of the 2009 pay off date. I used the first loan as a credit builder and to show the Prosper community that I was credit worthy and reliable in paying off my loans.

LOAN PURPOSE

I have two and a half years of college and I intend to use the funds from this loan to go back to school at Kansas State University-Salina to complete my computer science degree (1 1/2years).  I am seeking a second Prosper loan in the amount of $3,000 to help me accomplish that goal.

I intend to use the income from my current job and my part time job to pay this loan off.

EXPLANATION OF CREDIT PROBLEMS:

I have made some bad decisions in the past concerning my credit and finances and I desperately want to take care of them over the next 3-5 years. A new job and higher income level will help me do just that. My current credit situation involves several past due medical collections accounts.

Getting a second loan through Prosper right now would enable me to graduate from college and make a more secure future for my family.

MONTHLY NET INCOME:
Me: $1,600
Wife: $1,800

TOTAL: $3,400

TOTAL EXPENSES: $2675
 
CONCLUSION

Living month to month on my current income will never help me get out of debt and is NOT and option for me and my family. Going back to school, getting my degree, and creating a higher level of income is the ONLY way for me to accomplish my financial goals.