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I need to payoff my highest rate credit card debt with a lower interest loan. I want to payoff as much as possible and then close the CC accounts. I know that closing the CC accounts may hurt my FICO a little in the short run, but I want to close them nevertheless. Purpose of loan: Payoff highest-rate credit card debt, which is currently 28-31.5%. Getting another loan with a lower interest rate will improve my monthly cashflow. My progress: Today I have 14 credit lines with a revolving credit balance of 150K and utilization of 99% (result of recently paying down 2 CC accounts anc closing them). My financial situation: I have accumulated too much credit card debt and continue to work to pay it all off. I have a perfect payback history: no missed payments or delinquent accounts. My payback history in my credit files is perfect, but I have let some credit card rates get too high by some inattention on my part. I opened some credit cards with low introductory rates on balance transfers but because I was late on a couple of the payments by literally 1-3 days, the credit card companies jacked up the rates. Those initial low interest rate offers (e.g., 0 to 3.99% for 12 months) for balance transfers were tempting, but came back to haunt me. My credit rating/score looks poor becasue of my high percent of borrowing vs. limit. I've always paid back and will continue to. I have no delinquencies or negatives on my credit reports and I'm committed to it staying that way. Any form of negative mark on my credit report is not an option for me. If my loan is funded, I will immediately pay down my highest interest debt . I'm fortunate to be in a situation where I'm earning a good income, but need to get my high-rate credit card debt eliminated in the short term, and continue to work to be free of all credit card debt in the next 3-4 years. Respectfully requesting your help. Monthly net income: $ 9,500.00 Monthly expenses: $ Housing: $ 4000 Insurance: $ 200 Car expenses: $ 1000 Utilities: $ 200 Phone, cable, internet: $ 200 Food, entertainment: $ 400 Clothing, household expenses $ 150 Credit cards and other loans: $ 2500 Other expenses: $ 350

About me: I'm a young, ambitious, and excited student, father and future husband. The most important things in the world to me are my fiancee and her daughter, whose second birthday party I just had the pleasure of attending last month. I have a good job that I enjoy. I love to travel, speak foreign languages, and play the piano, and I'm a proud math/computer geek. Purpose of loan: I'm finishing school! Since graduating high school in 03, I was a full-time student for two years, a half-time student in Germany for one semester, and part-time or no-time for the rest. Part of the reason is financial, part of it is personal, but all of it is behind me and I'm ready to commit to a non-stop trip to Diploma Town. And I want you to come with me! I don't want this to be an impersonal "you give me money, I say thanks and make payments" kind of thing. I want you to get to know me, and see what your money is doing! Through a blog I promise to update regularly, you'll get to see the positive impact you're having on me and my family, and I'll also be happy to share news of my academic performance so you can see you're not throwing the money away on some loser. Maybe we could even turn this from just an investment into a friendship. By funding this loan, you are saving me from working 80 hours a week, giving me time to focus equally on my job and education, with plenty left over for my family. I have just been accepted as a transfer student to the University of Illinois at Springfield, to pursue a B.A. in Mathematical Sciences. I will need 49 credit hours to finish. By my calculation, the total cost will be approximately $12,500 including books and fees, of which I am seeking 30% with this loan. I will be beginning in June with a scheduled completion in May 2010. My goal is to break into the actuarial profession. If you're unfamiliar with it, actuaries are basically paid very well (often six figures) to predict the future--that is, calculate risk, particularly associated with insurance. It's a very important, but reportedly very low-stress profession. The latter is critical to me, because I want to spend as much time as possible with my family. My financial situation: My fiancee and I both work full-time. I have a well-paying job as an entry-level manager for a construction company, and she's a barista (caffeine dealer). Our expenses are low for our area--we live in a duplex and both of our cars were pretty used when we got them. She takes care of most of the cost of food as well as diapers and such. I pay the bills, as you'll see below, except for rent, which is split between us. Although money from both sources will be probably be used to pay back this loan, and some cuts will be made from the budget listed below, I have listed only my own income and itemized my spending as of now. My relatively weak credit score is a reflection of my high debt-to-income ratio, caused by a Stafford loan and a couple of credit cards to which my medical equipment and a trip to visit family in Philadelphia were recently charged, as well as a signature loan we used to fund our recent move and a mass of doctor?s bills and auto repairs from last year. All of that is now resolved and we are paying everything down, and I?ve never missed a payment on anything.

I would like to consolidate a WAMU card that I have chopped up into little pieces to get a better rate so that it will not take so long to pay off. I was just notified that as of June 1st the APR will be going up to 33% from 11.99%. I dont understand why. I have never been late with it and never gone over credit limit. Always pay more than the minimum. Im trying to lower my rate so that I dont have to pay for 5 more years and double the amount back. Thanks for considering me!!

Minor home improvements, medical bills.

Thank you for viewing my loan request. I am asking for this loan to pay off 2 credit card balances. One has 700 on it and the other is about 1,600. I also would like to do some home improvements. I have owned my home for the last 1 1/2 years. I just found out that a need a new drainfield so that will be first on the list. I also want to paint the whole interior of the house in neutral colors. My last project is to replace the kitchen countertops with granite as the old ones are beginning to show wear. I have been self-employed for the last 9 years in a service business. My business has continued to grow and has great clients. I have no late payments or deliquencies on my credit report. I have paid my bills on time and take pride in that. Again thanks for viewing my loan request and know I will work hard to pay this loan back as I have with my other bills in the past.

I'm in the military and before I came in I racked up a large credit card debt. With all the different payments to keep track of and extra charges it is really hard to get out from under them. With just one payment a month it would make my life easier, so I can concentrate on my job.

I would like to refinance my credit card debt to recieve a better rate on the money I owe.

I am wanting to consolidate debt so that I only have one payment to make. I work full time, plus own a small side business. I can make the payments for everything currently, but would like to have one payment and make it simpler.

refinancing

I have about $2,000.00 in credit cards that I want to pay off and combine.

i would like a loan that i can affort to pay in 24 months even less; right now i have couple credit cards where i'm paying a very hight interest (22% and 27%), there are small amounts in each card. i prefer to have only one bill a month and can be deductive from my cheking account,since i have dirrect deposit, some of the money is for inprovment in the house. i have a security job, in the pass 13 yrs same company, and last year I made $63000. I need this opportunity to save and clear all my debts.

I am starting PhD from fall 2007. I have full scholarship that includes monthly stipend. I need few educational items, e.g. laptop, books, etc. I would be able to repay the loan amount within 6-12 months. Thanks.

refinancing

I have a credit card debt id like to clear. i owe the cable and internet company. I would like to secure my rent for the month and have enough money to stock my refrigerator so i can last until i get my first few checks from my new job.

I am getting married in 2009. My fiancee and I have a wedding site picked out, but it requires a deposit to secure it. The site is booked up all through 2008, so we want to get it booked as soon as possible.

Recent graduate of Syracuse University. Over the past four years not only have I earned my degree, but I also incurred the costs of going to a private university. I am now employed by HSBC in a retail management position and I would like to consolidate my debts at a better rate.

I AM A NATIVE OF FLORIDA WHERE I LIVE AND TAKE CARE OF MY 84 YEAR OLD FATHER. I WORK FOR ONE OF FORBES 100 BEST COMPANIES IN THE WORLD TO WORK FOR. I HAVE BEEN THERE FOR 22 YEARS AND AM A VERY RESPECTFUL AND RESPONSIBLE MEAT MANAGER. I HAVE ALWAYS PAID MY BILLS ON TIME AND I AM VERY RESPONSIBLE WITH MY FINANCES. I WOULD LIKE TO PAY OFF MY CREDIT CARDS WITH A MUCH BETTER RATE THAN WHAT THEY ARE GIVING ME. I HAVE RECENTLY PAID OFF SOMETHINGS AND MY SCORE MAY HAVE WENT DOWN A LITTLE BECAUSE OF THAT. I ALWAYS PAY MY BILLS ON TIME AND EVERY MONTH. I WANT TO GIVE MY FATHER EVERYTHING HE NEEDS FOR WHAT IS LEFT OF HIS LIFE.

I AM REQUESTING THIS LOAN TO AFFORD MY LAWYER FEES

I am an owner operator of a Semi Truck I am looking for this loan as I am paying $715 pcm to rent a trailer which I see as just throwing good money away so I have decided to buy a trailer so at least it becomes an investment. Thank you for your consideration.

I have everything else in my college education paid for except for my housing, I need to pay for the rest of this and soon.

refinancing

consolidate

Used to continue to grow CollegeClassifieds.com. Began marketing in March 2007. CollegeClassifieds.com has continually outranked competitors since March of 2007 when I began promoting the site. :: http://www.quantcast.com/collegeclassifieds.com and http://www.collegeclassifieds.com/mint/ and http://snapshot.compete.com/collegeclassifieds.com+collegemedium.com+chegg.com?metric=uv Currently working with 11 college newspapers in Atlanta, Tampa, Detroit, and other cities as exclusive seller and servicer of classifieds for college papers. Also broker for 150 total college newspapers. Funds to be used to further transition these existing paid advertisers I currently work with, from print ads, to paid on line advertising on CollegeClassifieds.com. Specifically, funds go to ward, local, on the ground sales reps' efforts ($3k), on line advertising ($10k), enticements to exisiting off line (print) partners to promote CollegeClassifieds.com ($3-4k), and infrastructre (technical) (apx. $8-10k).

Putting in a new shower and fixtures.

Working on fixing my kitchen. I would like to add new countertops and sink.

consolidate

Thank you for reviewing my request. This loan will be used to pay off credit cards and a doctor bill. The credit cards that will be paid are as follows: American Express $700 30% American Express $7036 30% Visa $5000 10.99% JC Penny $708 21% Kohls $408 21.99% Doctor bill $1000 I earn $2356 a month and my husband earns $3624 a month. We earn together $5980 a month. Our expenses are as follows: Mortgage $1876 2nd mortgage $680 Utilities $300 Cars payment $556 Gas (car) $220 cell phones $167 credit cards $550 clothes $100 food entertainment $200 We would try a home loan but housing market as fallen below what our house use to be last year so that is currently not an option for us. Thank you for taking the time to read my request. God bless

I have the degree, now I need the job. I am requesting a small loan so I can relocate to Chicago. The loan will cover moving expenses (I live in Florida), obtaining an apartment, and provide a financial security net while I get established. I plan to continue working as a nanny (as I have for 6 years) until I can find more lucrative employment.

Alright here it is..... Thank you for looking at my listing! I am a father of 2 girls and my wife is going to school to be a nurse. I make approx 27700 a year and am 11050 in debt between credit cards and loans. There are a few old things on my credit report that reasonable efforts have been made to fix. This loan will allow me to make one payment instead of 7 as well as cut my monthly pay outs freeing up on hand cash for savings so I do not fall behind again! This is a priority because I plan to buy a home so that my kids can have a yard to play in... 2 kids in an apartment and no place to get hyper is no fun, for me at least I think they enjoy using the couch for a trampoline!

A bit about me: I have a master's in math from NYU, and I'm currently making over $96,000 a year working as a web developer. I also run my own web design business, which has become more successful and I am looking to expand -- purchase more equipment, and hire one web developer to work with me. I decided to get a loan for two reasons: 1) to provide a safety net for me to expand my business. I am currently getting larger projects than I have in the past, and I will need to get another person to help me finish them. Once these projects are done, this investment should pay for itself. 2) I want to establish a lending history with installment loans so that in the future, banks will be able to lend me greater amounts than I am asking for now. Over the past five years, I have always paid my credit cards on time and that earned me ... well, a score of 729 on Experian, (766 and 768 on TransUnion and Equifax), so I guess you can see I'm a pretty low risk. When I looked at Lending Club I realized that on this site, I could get better terms that I could at any bank! So I decided to post my listing here. Thank you for reading my request. If you have any questions at all, feel free to contact me on here.

I am starting my own small business. I am a recent college graduate from Emerson College. I was working on putting together the business plan and proposal to send out to some interested investors when my computer of 5 years broke down. I took it the Apple Store and they recomended just getting a new one. My neighbor has been gracious in allowing me to use his office for the time being. I am looking to purchase a MacBook Pro 15" from Apple. I am a filmmaker and my business focuses on that. I have a couple of projects in development and have some interest from investors. I just need to prepare an adequate proposal in order to seal the deal. This will last me for another 5 years and will be a great benefit to my future and life. I will not forget the help that I recieve from you generous folks. Please Help! Check out my website www.tripolitanfilms.com. Thank you for your time and consideration. Sincerely, Hilal Khalil Homaidan

I need a few thousand dollars to pay for the first months rent, a bed for my apartment, a desk, and food until my first paycheck on 8/31/07 and second paycheck on 9/29/07 of which I will be earning a total of $2850.

I am a 23 year old female who have made some bad decision during my college years. I fell into the credit cards trap at 19 years old, that was when I got my first credit card. being so young and without guidance I used my credit card as an escape. my credit card were how I got manage to pay bills and eat. I currently owe 8 credit card companies and a student loan. I did not have a stable job to help me pay off my charges. now as an adult, I am struggling to pay off all my debts. I want to increase my credit score and reestablish my credit. I am currently employed. I have been with this company for the last three years. It is hard for me to keep up with all the payment. being that I also have to pay rent, gas, electric and other necessary bills. I really need the help. I don't know where else to go.

I WOULD LIKE TO PAY ALL MY DEBTS

I would like to increase advertising through yellow pages and billboards. I purchased a business 3 years ago and it has almost tripled in that time frame. My business is near a metropolitan area so advertising costs are expensive. I want to take out a full page ad in the yellow pages of several books that distribute to our area. Most businesses that are in competition take out full page ads. I also want to obtain a new copier outright as the one I have is on a lease and expires in November 2007. I want to try and avoid going the lease route again. I am in the process of changing names from the original owner and want to promote the new name boldly with advertising.

Looking for a loan to help with repairs needed to our home. Our kitchen floor we recently repaired and a new one put down, but we did not have enough to finish with flooring. Also the kids bedroom ceiling is in need of major repair, water damaged from leaking roof.

I'm looking to pay off a high interest credit card.

We are expecting a baby next year. We need a new fence for three dogs. Our house is very small and we don't have room for eveyone inside 24 hours a day, they are driving my wife crazy in the house all the time. I am a restaurant manager and my wife is an assistant prosecutor . We plan to use the loan to get a fence before the baby comes, and use our savings to pay down our car, truck and my child support arrears, as well as this loan payment. The delinquencies on our credit reports come from a restaurant we opened in 2000 in Florida that failed. Those have all expired under the Statute of Limitations for debt collection, but we do pay all our current lines of credit on time. After struggling a few years, we moved to Missouri in 2005 and my wife took the bar exam. I have been with the same employer for 18 months and my wife has been with the same employer 2 years.We have never had a late mortgage payment since we got our home in December 2006. I would like to get this loan to do these repairs as soon as possible, as my wife is pregnant and the dogs are driving her crazy. We will repay this loan on time!

To help consolidate debt

Need loan for expensive car repairs and to payoff credit cards

Looking for a better interest rate than those available through other private student loan organizations. Finally set time to out finish my education, going for a BS in in Business Management. I currently own a business development firm which helps businesses expand through various methods such as franchising and licensing. We also help business raise capital, privately. Thank you for your consideration, I greatly appreciate it!

I need to borrow money to pay for legal expenses, car repairs, moving expenses as well as consolidate credit card debt. Anything that will help get me the cash that I need now and consolidate my other debt would be extremely helpful.

Thank you for taking the time to view our request. My wife and I were married Valentines day this year. We recently closed on our first home on 8/31/07. We have four beautiful children. With the new mortgage (and all the other bills that come with our home), we have found ourselves over our head in debt. We are in dire need of assistance to maintain the life we have been steadily building for our family. Our income and debt are as follows: I have been an auto tech for nearly 3 years with the same employer. This year, I was promoted to manager, which, helped us realize our dream of homeownership. My wife works part time as a CSR at the same company. I earn 60k/annually My wife $17k Average Net monthly income: $4500 Our monthly debts: Mortage $1120.00 Vehichle:$639.00 Credit Card: $100.00 Credit Card: $ 89.00 Short term Personal Loan: $150.00 Short term Personal Loan: $190.00 Car insurance: $125.00 Utilities: $300.00 Cell Phones: $80.00 Gas: $300.00 Food:$600.00 (with tons of coupons) Daycare: $120/wk With this loan we intend to pay off the two personal loans. This will give clear at least $340 a month! This is a big deal to us. This will be our first step in a series towards reducing our debt. All of our bills have ALWAYS been paid on time and remain current. My credit profile is being penalized because I have never had much credit. We are honest, loving, and giving people. We take nothing and no person for granted. We thank you for any contribution you make. Please feel free to ask us any questions. Thank you! Russell

I really want this piano only need a few thousand more dollars plz help me

Please, I need to borrow $1500 for fall 2007, against earnings from part-time work and Spring school loan disbursment.

I currently have 7 credit card accounts totalling approximately $10,000 in debt. I feel as though it is an unending cycle and trying to make 7 separate payments every month is a big hassle. I am trying to reduce the clutter and start living without debt.

i have some out standing bills and payments to make on my computer, auto and rent bills and need to get those bills cleared and put into one easy payment that i can handle