Eric's Credit Community

Purpose of loan:
To refinance my current Prosper loan at a lower rate.

My financial situation:
I have paid my current Prosper loan on time each month, and have also paid down numerous debts since my last listing. I am still an AA and would like a better rate. I would rather get a loan through Prosper again than from a bank as I had a nice experience with my last listing (outside of the final rate, which was a little high) and don't need the hassle of going to the bank. This is also why I listed my income as zero, since I did not want to go through the hassle of verifying my part-time income again. I think all of these factors, plus the fact that my new loan will have a considerably lower monthly payment, make this listing as much of a sure thing as any on Prosper.

My monthly budget:
Mortgage/rent: $969
Insurance: $55
Car expenses: $30
Utilities: $200-250
Phone, cable, internet: $100
Food, entertainment, clothing, household expenses $450
Credit cards and other loan payments: $500 (we pay extra)
Other expenses: $200 (student loans)
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Total monthly expenses: $2554 (estimated)