Eric's Credit Community

Purpose of loan:
The purpose of this loan is to help me consolidate some debt that I have accrued. The majority of the debt is all medical bills (hospital care, regular doctor visits, eyecare, ect.).

My financial situation:
I am a married working mother of 4 children. I work full time and get paid decently, enough to support our lifestyle. Recently, my husband was laid off and has been out of work for a couple of months. We're not in debt too bad but can see some mounting medical bills and would like to just pay them off and have some breathing room using a managable monthly payment that Prosper will give us. 

Our credit history is spotty. 4 years ago we filed for a bankruptcy. Our delinquencies and open credit stem from that. Accounts were already into collections when we filed and they couldn't be closed. They are on our record for a couple more years. Currently, we only have 2 credit cards (max limit of $300) that we use. We just have them to help build our credit back up. Our record may say that we are a ?HR? on paper but we are responsible, hard working parents who are on the right path. Below is a breakdown of our monthly finances with and without the Prosper loan. I have a current Prosper loan already that I am paying off. I've been on it for a year now and have never missed a payment.

Monthly net income: $5,000

Monthly expenses: $4,628
Housing: $1,200 rent
Auto Insurance: $69
Car payment: $269 (1 car paid off, 1 with about 2 years remaining)
Utilities: $150 on average
Phone, cable, internet: $125
Food: $900 ? see below for more info.
Household expenses, medical bills, etc.: $300 ? We like to budget a couple of hundred for life?s little expenses such as doctor bills, haircuts, new shoes, laundry detergent, etc.
Student Loans: $180 ? 2 loans, one mine, one my husbands. Both are fully consolidated.
Gas: $250
Childcare: $1,185 ? we have four kids, it adds up.  
Current Prosper Loan: $75

We have set a budget of $210 a week for food, which works out to $900 a month, approximately. We are a family of 6. That?s $30 a day for 3 meals a day for 6 people. $900 a month sounds like a lot of money to many people on here, but when you break it down, $30 a day for 6 people for 3 meals is not much money. We are very thrifty when it comes to grocery shopping.

This leaves us $297 each month.

Thank you so much for taking the time to consider this loan.