Eric's Credit Community

Purpose of loan:
This loan will be used to pay off my credit cards and greatly assist me in becoming debt free within the next 1-2 years.

My financial situation:
I am a good candidate for this loan because first off, I am a man of God and would never want to deceive anyone, especially those attempting to help me. 

Over the years, I have established a good financial standing by paying on time, and ALWAYS paying more than the minimum.  In other words, if history repeats itself, I will do the same with this potential current loan. 

About the DTI: According to Prosper I am over my head in debt, but that is not the case.  I started a part-time job about 3 months ago in one of the top Architecture firms in NY.  I make around $500-$600 monthly, which is plenty to make monthly payments on a loan.  I did not want to claim that amount on Prosper because there are months where I make more (because I put in more hours), so I was not entirely sure what to put ? so I just put a bare minimum of what I know for a fact I would make.  I work a minimum of about 13-15 hours a week, obviously more sometimes. 

So, don?t let the DTI fool you, it is really not as bad as you think.  I could have easily gone to my parents, since they are the ones that cover most of my expenses, but I wanted to establish myself as a responsible young man.  This is why I am here on Prosper.  Please, consider me, I know that you will not regret it ? I will make sure of that.  If you have any questions, don?t hesitate to ask.  Thank you and God bless you.