Eric's Credit Community

I started my new job at Cal State Dominguez Hills, but the people there didn?t want to drive an hour each way to observe me so I could get my Teaching Credential, so I transferred to National University, but the pace of the curriculum is way too fast for me so I got out, but I need the units from the classes I passed at National so I can apply the units to my new school. I also need to consolidate some debt so I can improve my credit in order to propose to my future wife, who?s been waiting in the wings for going on four years. The reason my credit dipped a grade is because my future wife has decided she wants to go to school and we've been paying out of pocket for her Jr. College fees. She will qualify for Federal Loans that neither of have to pay back till we stop going to school, as soon as I can use some of my credit improvement money to pay her back taxes so she apply for and get Federal Funding for her school.

National University - 7000.00

In order to improve credit - 500.00

And here?s the good news?

On top of the fact that I will be able to make the minimum monthly payment from what I make now, I also have that lovely tax credit from the economic stimulus package, and what?s left from my financial aid check, which will amount to about eight hundred dollars every six months till I graduate for books and stuff which I will be able to put towards my loan payment because a number of my co-workers are currently going for their credentials in the same field as I am, and two of them have kept all their books, not to mention my income tax refund that? I?ve been getting every year for the past five years.

I know that these ?extra? monies that are going to come my way are not guaranteed amounts, but they are monies that are highly likely to come in and, like I said earlier, I can make the minimum monthly payment without any of the extra money; I just want to assure my lenders that I have a back up plan should things go terribly wrong (which they won?t). I still do the massage thing which gets me about a hundred dollars a month.