Need Money for Nursing School
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,000.00 | Status: | Expired |
| Grade: | HR | DTI: | 18% |
| Lender Rate: | 18% | Borrower: | oldschoolgirl |
| Finished | State: | OK | |
| Funded: | 0% | Group: | Physicians, Nurses & Staff (Including Students) |
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Hello from eastern Oklahoma, where I live on a little piece of land with a beautiful view of what's known in these parts as "The World's Highest Hill." I am a student at the University of Arkansas at Fort Smith, with a grade point average of 3.93, and I have recently been accepted into the school's nursing program. I am a "non-traditional" student in my forties, returning to school after many years working as a graphic designer. I was feeling unfullfilled and ineffective (not to mention unemployed) in that field of work. After much thinking, praying, and talking to friends, I decided to go for an associate RN degree. I love being back in school and am doing well in my classes. But I need help financially. So far, I have managed on Stafford Loans and some savings I had. I am still recieving Stafford Loans, but my savings are dwindling. I already have a bachelor's degree (a BFA in Creative Writing), so I'm not eligible for a Pell Grant. I have a pretty bad mark on my credit history. I few years ago, I fell and broke a leg. Surgery was required, and I accrued some substancial medical debt. Although I was out of work for a month without pay and was laid off not too long after I went back to work, I managed to pay off most of my bills. But there was one bill that was turned over to a collection agency. I fell further behind on it, and received some threatening letters. But then I stopped hearing anything from them. I know it was naive of me, but I assumed the debt had been written off, and put it out of my mind. A couple of years later, after I had worked at one job for a year and then moved on to another job where I was making fairly good wages, I learned that a judgement had been made against me, and that my wages were to be garnished. I did end up paying the bill, but now I have that judgement on my credit history. I really am a responsible person. I work hard, live frugally, pay my bills, and take care of myself. I own my own home and am half-way through a twenty-year mortgage. I don't have any credit card debt, and my truck is paid for, so my monthly expenses are fairly low. But I've had a run of bad luck with getting laid off from jobs due to budget cuts and some lengthy periods of unemployment. I'm concerned about my future. I'm single, with no children, and no one to turn to for financial support. I come from a family of good-hearted, hard-working people. They help me out as much as they can, but none of them is rich, and they have their own difficulties. I want some security in my life. I want to be able to get a job that pays pretty well, has benefits, and a fair amount of stability. And I want to do work that I feel good about. I really want to be a nurse, and I think I'll be a very good nurse. I just have to find a way to pay for school. I would really appreciate it if you would help me to get a loan. That was my listing for my first loan with Prosper, which I got in the fall of 2006. I am now finishing up my third semester in nursing school. I have a solid B average, I love what I'm doing, and I'm looking forward to graduation in May 2008. I'm working part time as a nurse's aid, and getting some student loans. But money is still really tight, and there are some extra expenses related to the graduation ceremony and test preparation for the licensing exam I'll have to take after graduation. I see that my credit rating has dropped since my last loan, and I assume that's because I now have several student loans, and I'm a month behind on my house payment (I'll be able to catch that up with my next paycheck). As you can see, my Prosper loan is up to date and has never been paid late. When I get out of school in May, I'll be able to work full time and should have a pretty good salary, possibly even with extras such as a sign-on bonus or loan repayment. I just really could use a little extra financial assistance right now. Thanks so much for your help. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 21870 | Need Money for Nursing School | D | $7,000 @ 15% | Jun 27, 2006 | Expired |
| 23539 | Need Money for Nursing School | D | $1,500 @ 14% | Jul 07, 2006 | Loan created |
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