Eric's Credit Community

I have come to Prosper to request this consolidation loan as part of a 4-phase plan I have developed to take care of my past and present credit difficulties and to prepare for the future.
Current debt listing:
Item                                         Payment                Balance
Automobile loan                          358.58                 3,707.36
CashCall loan                             199.02                 2,366.86
Credit Cards                               186.00                 3,618.33
Subtotal (to be consolidated)        743.60                9,692.55
Student loans                            Deferred            213,240.00
Monthly budget with funded loan:
Prosper Loan                               406.49
Rent                                          1525
Utilities                                        439
Monthly Living Expenses               834
Total Expenses                           3204.49
Total Take-home Pay                   3881
Budget Surplus                             676.51
In summary, I have made serious financial mistakes in my past, and I have learned from them.  I have a plan that I am diligently following in order to correct these mistakes.  I am committed to improving my credit and will be a good investment.  I will set up ACH draws on my checking account to ensure timely payments.  
My group leader has fully vetted me.  Please see the RML forum, prosperlenders.com, and the wiki for more details.
Thank you for viewing my loan submission.  I appreciate your time and consideration.