Eric's Credit Community

Hello,

My name is Aura, I am an executive for a cancer research company in Miami Florida and would like to get a loan through Prosper to consolidate and completely pay off my student loan debt.

First let me tell you about my credit. On prosper it comes up as a ?C? grade. And lists three accounts as being delinquent on my credit report. I found out about these accounts and the student loan when applying for a car loan a few months ago. They were medical bills that were not forwarded and mailed to my new address. They have been paid off and are in the process of being taken off my credit report. I can provide you with proof of that if you request it. Also all my recent credit inquiries were for my car loan, and I have less accounts open then it states on Prosper.

The student loans in question were taken out back in the 90's with my ex-husband. And since I signed for them I am responsible, but the interest has really accrued on them, by taking this loan out with Prosper I get the interest and penalties waived and save more money even with the cost of the Prosper loan figured in.

Normally I would have just paid this out of my savings. But in the last few months I had to put several thousand down on a new car, and my dog had to have TPLO surgery on his leg to correct a torn ACL. While I do have a savings and a 401k. I live by the rule there is a certain amount you keep in there you don't touch in case you have to use it to pay your bills for about six months. My Dad taught me that, its a good rule.

The rate I am asking for on the loan is 16.5% with an additional .5% going to my group. This is the maximum rate I can ask for due to limits in the State of Florida. I am selecting Automatic funding that way you know if you bid on my loan and it closes you will get the 16.5% you bid on..

This loan in combination with some of my savings will completely pay off my student loans. The only other debt I will have will be my car loan.

Now a little about me. I have worked at the same job for over three years now. It took some time to adjust to the heat here in Miami (I am a Cleveland girl) but I have gotten used to it. I spend a lot of time at work but that's ok because I am passionate about it. 

I appreciate you taking the time to look at my request. To those who bid on and those who choose not to I wish you the best of luck here on Prosper and all you endeavors. And remember...any questions for me?...Email me! [EMAIL DELETED]

Monthly Income: 5140.00
Rent 2050.00
Cable/Internet 180.00
Cell Phone 30.00
Water  10.00
Electricity 200.00  (Finally the cooler months!)
Phone 80.00
Car Insurance 250.00
Car Payment  320.00 

Thank you again!