Eric's Credit Community

I teach non-verbal children with autism (ages 4-8) at a private school in northern IL.  My school contract requires me to continue my education by obtaining a special education endorsement to add to my teaching license.  However, my administration is not paying for these 3 classes that are required.  I have completed my first class and obtained an A.  I am currently enrolled in the 2 classes that I still need.  These last two classes are the purpose of my loan.  Classes start at the beginning of February and end in May.  Thus, a prompt response would be greatly appreciated.


As mentioned, my husband and I were married in November 2007.  We paid for the wedding ourselves and made the mistake of using credit cards instead of Prosper to fund the wedding.  We tried to obtain a federal student loan but were denied.  Federal student loans require you to be enrolled for more than half time; a requirement I could not meet.  I've learned a lot about finances recently and believe Prosper is my best option.

Prosper suggested that my husband's income should not be included in my first listing description.  However, he obviously will be helping with the payments, as is normal for most married couples with combined finances.  Thus, his income and a short snippet of what he does will be included.  I currently have an annual salary of $35,000.  My husband?s current annual salary is $33,450; earned as a project manager for a large web development firm.  This brings our net household income to $68,450, all of which can be verified. 

Monthly expenses: $ All expenses are rounded up; except Housing.
  Housing: $ 1494.00 a month
  Insurance: $ 120.00
  Car expenses: Leased car for $360 a month
  Utilities: $ 50.00
  Phone, cable, internet: $ 100.00
  Food, entertainment: $ 120.00 - We tend to be homebodies.
  Clothing, household expenses $ 50.00
  Credit cards and other loans: $ 220.00
  Other expenses: $ 50.00