Eric's Credit Community

I am a 29 year old Software Testing Engineer.  I have been at my job for 2 years.

I would like to consolidate my credit card bills into a lower monthly payment.  Currently I pay $1000 per month in credit card bills.  I make $4500 per month and my household expenses are $1500 per month (excluding the credit card bills of course).

My debt to income ratio is slightly skewed because I did not include my wife's income, but a lot of our debt is shared.  She is self employed and since her business is only 3 months old, we dont really have much to show for in terms of her income, although she averages about $4000/month.  Paystubs for my job are available upon request.

I have 0 current delinquencies

Here is my current monthly budget:
Rent:                  550
Utilities:              300
Groceries:           130
Car Payment:      150
Car Insurance:      70
DayCare:             150
Dining out:             50
Savings:              100
Credit Card Bills:  200

After the prosper loan:
Rent:                  550
Utilities:              300
Groceries:           130
Car Payment:      150
Car Insurance:      70
DayCare:             150
Dining out:             50
Savings:              200
Prosper loan:  112.31