Debt consolidation

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Listing Information
Amount: $10,000.00 Status: Loan created
Grade: D DTI: 21%
Lender Rate: 18% Borrower: MTZach
Time Left: Finished State: MT
Funded: 100% Group: No Bull Investors - We Invest In Good Borrowers
Loan Information
Loan Status: Paid Origination Date: 2007-02-21 EricsCC ROI: 17%
Status History
Feb 21, 2007 Current
Mar 01, 2008 Payoff in progress
Mar 06, 2008 Paid
I'm a state employee in an environmental field, looking to consolidate my debt. For a few years after college, I worked seasonal jobs, and got a permanent job just over two years ago. Between the seasonal work and some travel recently for family reasons, a racked up some debt. The worst of it is the overdraft loan I used from my bank. This has ended up being very high interest, and along with my credit cards means I have 3 payments to make every month. I have told my bank to close the overdraft protection from use, and let me just make payments to it. If I can consolidate my payments into one, everything will be easier to keep track of, and I'll pay less interest. Lumping the payments into one will not free up much spending money, but it will make paying off the debt much easier. I've always paid my bills on time, even when I didn't make very much money or have steady work. I now have a very secure job and still always pay my bills on time. I'm looking to this as an alternative to going through an actual debt consolidation company.

Monthly Income: $1682 (after what gets direct deposited into savings)
Expenses:
Rent: $450
Utilities: $130
Phone: $40
Insurance: $69
Credit Cards: $150
Bank Payments: $220
Groceries: $200
Gas: $100

Free Cash: $323 a month
Borrower's Other Listings
91199 Debt consolidation D $10,000 @ 19% Jan 31, 2007 Withdrawn

 

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