Eric's Credit Community

Purpose of loan:
This loan will be used to pay off my credit cards. I would like to cut out the multiple bills and consolidate them all into one, making one payment a month.

My financial situation:
I am a good candidate for this loan because I have fair credit, and do not have a mortgage or student loans to pay off at this time. My credit grade is H.R. because I am young and have so little credit, I have never missed a payment on any bill, or even been late. I have been trying to get rid of my credit cards for about a year now, and realized that making the monthly payments on each is not going to get me anywhere. I would like to start a savings account to start preparing myself for a family with my fiance, as well as prepare for my student loan pay off, which should begin in about 3 to 4 years. I am very careful about paying my bills, and come payday every other friday, my top priority is my bills before pleasures. I work full time at a job I love, and I am also studying full time towards my bachelors degree in Criminal Justice with a focus on cyber crimes.

Monthly net income: $ 1,648.00

Monthly expenses:
  Insurance: $106.00
  Car expenses: $300.00
  Utilities: $100.0
  Phone, cable, internet: $100.00
  Food, entertainment: $100.00
  Clothing, household expenses 150.00
  Credit cards and other loans: $300.00
  Other expenses: $250 Gas