Credit card debt

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Listing Information
Amount: $10,000.00 Status: Loan created
Grade: C DTI: 35%
Lender Rate: 19% Borrower: flyonthewall
Time Left: Finished State: CA
Funded: 100% Group: (No Group)
Loan Information
Loan Status: Current Origination Date: 2008-09-19 EricsCC ROI: 18%
Status History
Sep 18, 2008 Current
Purpose of loan:
This loan will be used to pay off credit card debt left over from medical school. 

My financial situation:
I am a good candidate for this loan because I have excellent job security and my income will continue to increase each year.  I recently got married and had a child so my expenses have gone up.  I am not happy with my current credit card interest rates and wish to seek alternative options for loan consolidation. 

Monthly net income: $  Currently my gross monthly income is $4060.00

Monthly expenses: $
  Housing: $  800 monthly rent
  Insurance: $  150/month
  Car expenses: $ 350/month
  Utilities: $ 100/month
  Phone, cable, internet: $ 120/month
  Food, entertainment: $ 200/month
  Clothing, household expenses $ 100/month
  Credit cards and other loans: $ 700/month
  Other expenses: $ School loans $300/month
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