pay off cards and pay for college

Purpose of loan:
This loan will be used to pay?off credit cards and consolidate loan payments.?I have?multiple loans with low amounts and could decrease these amounts in a more reasonable time with less interest repaid.?I plan?to pay for more?college credit?to?become? specialized in my field to enhance my income.?
My financial situation:
I am a good candidate for this loan because? I have? a good history of repayment and length of time with credit. I am?employed in the health field industry ?and have excellent potential for? fulfulling this obligation.? I can receive greater compensation with a certification in?? a speciality area. therapy.

Reinvest with Prosper

Purpose of loan:
I'm looking for capital to reinvest into the?Prosper Marketplace

My financial situation:
I have good credit with 2 errors on my report that I am getting cleared up. One was a clerical error (public record) the other was part of an identity theft, which is almost cleared up. I have documentation to prove both. I have no delinquent payments. I pay all my bills on time and never the minimum payments.

Monthly net income: $ 8600

Monthly expenses: $
??Housing: $ 1953
??Insurance: $ 206
??Car expenses: $ 385
??Utilities: $ 145
??Phone, cable, internet: $ 125
??Food, entertainment: $ 650
??Clothing, household expenses $300
??Credit cards and other loans: $500
??Other expenses: $500

Business loan for equipment

Purpose of loan:
This loan will be used to purchase equipment for a gourmet popcorn store I am starting.

My financial situation:
I was let go from a large corporation after 15 years of service due to a reduction of workforce for economical reasons.? I was given a nice severence which has allowed me time to think about what I want to do with the rest of my life. I?am also an seller on Ebay which brings in a nice monthy income.?Starting my own business has always been a dream of mine and now is the time to do it.

I am a good candidate for this loan because I pay all my bills on time (NO delinquences) and have worked really hard t make sure that my credit stays in good shape. I do not intend on letting anything happen to it.

I have done extensive research on the gourmet popcorn business. It is a highly profitable.?The markup potential for popcorn is 80%. This will be the first business of its kind in my immediate?area. I have visted and observed?other?gourmet popcorn stores and know that my business will be successful. I paid for formal training with a current gourment popcorn store owners and they have offered their continued support . I have 20 years of customer service experience and 10 years of management experience.

Monthly expenses:
Monthly income: 3200.00
?Housing: $450.00
?Insurance: $ 70.00
Car expenses: $500.00
Utilities: $200.00
Phone, cable, internet: $?60.00
Food: 400.00
Credit cards150.00

Bill Consolidation

I'm a 58 y/o and from Kansas City, KS. I have a Bachelor of Arts in Sociology, History, and Education.? I have taught junior high and high school. I retired from the Missouri Department of Mental Health and Truman Medical Center where I was an outpatient psychiatric case manager for consumers with severe and persistent psychiatric illnesses and substance abuse issues. I also taught psycho-social educational classes for consumers with the same disorders. I facilitated clients in securing services in the community with collateral agencies.

I have had some significant credit issues dating back to September 2005 when I became ill. I was told by my physician that he would not sign a release for me to return to work. I was advised to apply for disability. Some of you might be aware that this can be a long and difficult process. It took me from September 2005 to December 2006 to be approved for Social Security Disabilty Income. And I was still a couple of years?from being able to take early retirement from two of my lifetime pensioins. Consequently, with a period of greatly reduced income and periods of no income, and with having to maintain my costly?COBRA insurance premiums, I was unable to meet all of my financial obligations.? As a result I filed for Chapter 7 Bankruptcy in January 2008. It was discharged on April 29, 2008.

Since that period, my finances have been improving. I was able to sustain my home, reestablish credit and improve my credti history/score. I consider myself fortunate and I'm I'm greatful. My current goals are to continue maintaining my home.?? My financial goal is to consolidate the following bills and to reduce my monthly payments:

Pulaski Bank of Saint Louis????????????????????????? Balance:? $1150????????????????????????????????? Payment: $112?????????????????? APR:? ? 8.75%
Target National Bank????????????????????????????????????????????????????? 700???????????????????????????????????????????????????? 20???????????????????????????? 22.99%
National Bank of Kansas City??????????????????????????????????????????414???????????????????????????????????????????????????? 93?????????????????????????????20.00%
Dell Financial Services??????????????????????????????????????????????????? 230???????????????????????????????????????????????????? 15???????????????????????????? 27.99%

Total??????????????????????????????????????????????????????????????????????????$2494???????????????????????????????????????????????? ?$240??????????????????

My income is as follows:

SSDI??????????????????????????????????????????????????????????$1392
State of Missouri?Lifetime Retirement???????????????253
Truman Medical Center Lifetime Retirement??????215???

Total Income???????????????????????????????????????????????$1860??????

Although I realize it can't be included, I do have?$300 per month rental income from a roommate.?????

Upgrade House Wiring / Debt Cons.

Purpose of loan:
Consolidate 3 credit cards that I share jointly with my husband and $4,000 for wiring upgrades to our house

My financial situation:
I am a good candidate for this loan because I know I can pay this loan back due to my stable job and excellent payment history.? I had a loan through Prosper which was always paid on time and the loan was paid off 1 year ahead of schedule!? Public record is due to a BK from 10/05.? Our daughter had a problem birth and we did not have very good insurance.? Our lawyer advised us to file BK due to law changing.? Probably wasn't the best thing to do, but we were young at the time.? We really need to get the wiring up to code in our house and we will always make payments on time!!

Monthly net income: $ $3200 from my job, $4619 from my husbands

Monthly expenses: $ 2410
??Housing: $ 900(includes tax/insurance)
??Insurance: $ 150
??Car expenses: $ 300
??Utilities: $ 280
??Phone, cable, internet: $ 60
??Food, entertainment: $ 420
??Clothing, household expenses $ 100
??Credit cards and other loans: $?200

My personal loan

Purpose of loan:
This loan will be used to? purchase equipment and to cover payroll for our business for 2 months.

My financial situation:
I am a good candidate for this loan because? We have never missed or had a late payment on any loan/ line of credit. We pay our bills on time no matter what.?Our intentions are to pay off this loan before the 36 months. We just need the opportunity to show that we will pay.

Monthly net income: $11,000.00 with-out business income

Monthly expenses: $ 4,900.00
??Housing: $ 1932.00
??Insurance: $ 170.00
??Car expenses: $ 1,000.00
??Utilities: $ 250.00???
??Phone, cable, internet: $150.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 400.00
??Credit cards and other loans: $ 600.00
??Other expenses: $

My personal loan for my business

This borrower was not required to write a description based on the listing's likelihood to fund.

extra head for disney trip

we have a unexpected head , for our disney trip and would love for him to join us ,
however our trip has been paid for and we are running out of time to save for his extra expense , so we are hopeful
prosper members can help . we are in the position to pay off within 6 months .
the numbers above do not reflect my wifes income,which Is more than my income ..which makes the ratios go down ..thanks for takeing the time read
thanks for the support

Implement email marketing system

Purpose of loan:
I'm using this loan to purchase a license on a email marketing system.
The license holds value and is transferable, I'm currently earning over $1,000 a month with this type of system now but? I am paying a large rent to use the system.

My financial situation:
I am a good candidate for this loan because, I have a history of repaying debts in a timely manner and this system will allow me to earn a extra 3-5k a month?

Monthly net income: $ 7000

Monthly expenses: $
??Housing: $ 1800
??Insurance: $
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 200
??Other expenses: $

New Family-Debt Consolidation

Purpose of loan:
This loan will be used?for debt consolidation.? We are a family that recently married and got into our first home.? With that came a few unexpected credit card bills.? We'd like to consolidate these to lift the financial burden.

My financial situation:
I am a good candidate for this loan because?I have established full-time employment I am not in danger of losing as does my wife.? The loan is within our means and will be payed on time.

Purchasing a car

Purpose of loan:
This loan will be used to purchase a car.

My financial situation:
I am a good candidate for this loan because I am a hardworker and would benefit from a loan greatly at this point in my life.

Older house NEEDS A NEW ROOF, bad.

Purpose of loan:
This loan will be used to BUY A NEW ROOF FOR MY HOUSE THAT IS ALL MINE AND IM SO THANKFUL FOR IT, AS I AM THANKFUL FOR BEING ABLE TO APPLY FOR THIS LOAN TODAY..

My financial situation:
I am a good candidate for this loan because I have a full time job cutting hair "haircuts will always be needed'? MY car is paid off and i dont really owe much other than whatever?this leaky roof is going to cost me.

Monthly net income: $ 4,100.00

Monthly expenses: $ 1,500
??Housing: $ 640
??Insurance: $ 65????
??Car expenses: $ paid
??Utilities: $ 100
??Phone, cable, internet: $ 25
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 125
??Other expenses: $ 125

Paying off credit cards forever

Purpose of loan:
This loan will be used to?
Purchase a Travel Trailer
My financial situation:
I am a good candidate for this loan because?
Been employed as a Engineer for the same company for 32+ years
Monthly net income: $ 6400

Monthly expenses:?
??Housing: $ 1600
??Insurance: $ 160
??Car expenses: $ 200
??Utilities: $ 200
??Phone, cable, internet: $
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $?150
??Other expenses: $

CONSOLIDATION / HIGH INTEREST CARDS

Purpose of loan:
This loan will be used to?

Consolodate bills---
My financial situation:
I am a good candidate for this loan because?
As you can see- I have a fairly good credit rating.? The deliquency on my account is due to a online payment glitch with a lender that refuses to look at my good standing prior to the ONLY missed payment in 7 years.? I have a secure job and have been with the same company? for 14 years.? I am responsible and trust worthy.?? I have a high debt to income ratio, and that is why I am going this route.? This happened because of helping my brother-in-law two years ago.? He had heart surgery, and was unable to work, so we stepped in and helped financially, using credit cards. Bad decision. ? I am going to use the money to pay off two cards, and put that money towards this loan.

Monthly net income: $

2,800

Monthly expenses: $
??Housing: $ 1,000
??Insurance: $ 646 --yearly
??Car expenses: $ gas--- 120
??Utilities: $ 200
??Phone, cable, internet: $ 120
??Food, entertainment: $ 100
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $

My personal loan

Purpose of loan:
This loan will enable me?to set up a small emergency fund to help smooth
out the bumps and pay off several smaller high balance credit cards at a better rate.?
My financial situation:
I have very stable?employment and?been at the same company for?over 30?years.
I have a long and clean credit history and have always paid what I owed on time and in full.?

Dont want to be living here

Don't want to move here
Trying to restructure my mortgage loan because of some late payments, due to a lay-off at work. Not sure why it says above that I don't own a home, must be a credit report screw up, because they still want there money. If I get this loan, I will be in good shape to quickly pay the money back, and everybody wins.

My financial situation:
My financial situation is good. Currently working 46 hours a week in a slow improving economy. I did have to file bankruptcy in 2008 because we were stupid and had too much credit card debt. I have learned my lesson and won't be doing that again. I have no debt, other than my mortgage. Both cars are paid for. Please help me!!!! You won't be sorry!!!! I swear!!!!!

Monthly net income: $3500

Monthly expenses: $2538
??Housing: $1218
??Insurance: $300
??Car expenses: $20
??Utilities: $150
??Phone, cable, internet: $300
??Food, entertainment: $500
??Clothing, household expenses $50
??Credit cards and other loans: $0
??Other expenses: $

Refinance existing Prosper Loan =)

Purpose of loan:
To refinance my current Prosper loan of $1408 to lower my monthly payment and interest rate. Will make accelerated payments when I can to shorten the life of this loan. Thank you for considering my request.

My financial situation:
My hubby and I have been working hard to pay down our debt and you can see with my current loan that I have NEVER missed a payment, nor been late with a payment. Although i am?in the HR category, you can see my credit score has gone up and we have no delinquent accounts.

Monthly net income:
Mine is $2800, my spouse $3600. Both will be used to repay loan. Total $6400

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ varies
??Car expenses: $ 700
??Utilities: $ 200
??Phone, cable, internet: $ 105
??Food, entertainment: $?500
??Clothing, household expenses $?200
??Credit cards and other loans: $ 1200
??Other expenses: $ 300

Pay off high interest credit card

The purpose of this loan is to pay off a high interest credit card. The?credit card has a current interest rate at 29.99% and a minimum payment of $150 per month. This loan would allow me to pay off this debt in 36 months or less as compared to 49 months by making the same $250 per month payment that I currently make.

I feel like I am a good candidate for this loan for several reasons. First, my credit rating is good, and getting better by the day. The 3 delinquencies that are on my credit report are all from 2004. Unfortunately, I was unemployed for 6 months during that time period. Prior to that time period, I had perfect payment history. I have also had perfect payment history since that rough time in my life. Secondly, I am currently employed for an extremely sound and profitable company. I have been moving up the company ranks for over 5 years. Finally, my debt-to-income ratios are good. If you include my mortgage, my final ratio is at 43%.

If you have any other questions or concerns, please do not hesitate to contact me and ask. I will be more than happy to answer them for you. Thank you in advance for your consideration on this loan proposal.

paying off my CC almost there

Purpose of loan:
I am almost done paying my cc off.
Please help me finish!!!

My financial situation:
I have a stable job. so does my husband. I have never ever been late in any payment to anything. not even my cellphone bill.

Monthly net income: $
between me and my husband we make around 5k a month

Prevent forclosure

Purpose of loan:
This loan will be used to? stop a forclosure, and secure closing cost needed for a short sale

My financial situation:
I am a good candidate for this loan because? , I ma a Government employee with employment steady for over past 20 years

Monthly net income: $ 12,000

Monthly expenses: $
??Housing: $ 3400
??Insurance: $ 275
??Car expenses: $ 0
??Utilities: $ 200
??Phone, cable, internet: $ 225
??Food, entertainment: $?100
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 400
??Other expenses: $

Credit card debt- family med expens

Purpose of loan:
This loan will be used to? pay off credit card debt that was created due to family medical expenses.

My financial situation:
I am a good candidate for this loan because? I have a great job & have always taken my finances very seriously.? I paid off $20,000 in debt last year, but the interest rate hikes have set me backwards.? I am determined to pay off this debt!

Monthly net income: $ 4500

Monthly expenses: $
??Housing: $ 1700
??Insurance: $ 115
??Car expenses: $ 283
??Utilities: $?50
??Phone, cable, internet: $ 200
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $?2000 -?I pay as much as possible towards debt
??Other expenses: $

consolidate debt to simplify budget

Purpose of loan:
This loan will be used to? cosolidate debt and simplify budget.

My financial situation:
I am a good candidate for this loan because? we will pay our bills. My scores look bad, but with reason. Over an 18 month stretch from early 2005 untill late 2006, my wife and?I got pregnant (doctors said we could not), both lost our jobs (pregnancy for her, ecomomy for me), filed a bankruptcy and lost our home. We worked very hard to secure new careers, buy a new home and raise our now almost 5 years old. Bad things can happen to good people sometimes. No regretes, but we continue to move forward.

Monthly net income: $ 3500
Monthly expenses: $?2950
??Housing: $ 780
??Insurance: $ 150
??Car expenses: $500
??Utilities: $ 120
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $300
??Credit cards and other loans: $?200
??Other expenses: $?300?

My loan for debt consolidation

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.

My personal loan

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Old lady's dream vacation 730 score

Purpose of loan:
To fund my dream vacation to Paris, France. I am now almost 60 years old and I still have never set foot in Europe. I would like to experience it before I get too old to enjoy it.

My financial situation:
I am a good candidate for this loan because I am mature, responsible, have a good history of paying my bills on time, I have never defaulted, I communicate well with my creditors,? and you will be fulfilling an old lady's dream.
Monthly net income: $ 6,000 pre-tax

Monthly expenses: $ 3,850
??Housing: $ 1300
??Insurance: $ 500
??Car expenses: $ 300
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 300
??Other expenses: $ 300 emergency

Startup Concession Business

Purpose of loan:
To purchase supplies to start a food vending service.? I plan to sell burgers, hot dogs, chips and soda to sell for a reasonable price at local festivals, farmer's market, and county fairs.? When there aren't any of the events going on that I listed previously I will set up in the?parking lot of Wal-mart or Lowes where contractors go to get their building supplies and are always on the run and need something quick to eat.I also have a well known health insurance company and a college that have agreed to let me sell in their location to the employees/students.I have purchased the concession cart and just need to get a few more business supplies, and the licenses/permits.

My financial situation:
I am a good candidate for this loan because I have no debt except a small mortgage.I have a credit score over 750 last time I checked.Projected Sales:Year 1 $60,000 - Year 2 - $75,000 - Year 3 - $90,000 - Year 4 - $105,000 - Year 5 - $120,000Uses of Loan:I will use the loan to purchase a used truck to pull the concession cart, buy a cash register, supplies and the rest for living expenses until the business starts making a profit which shouldn't take long.? I plan on paying back all the money ASAP because I don't like being in debt.
Thanks

My loan for debt consolidation

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.

Getting out of credit card debt

Purpose of loan:
This loan will be used to?
Pay off higher interest rate credit cards.

My financial situation:
I am a good candidate for this loan because??
I have a steady job with very little worry of losing it.? I have been paying down my debt over the?past two years, but over $100 every month goes to interest alone.? I have purchased a new house and car in the past year and a half and have still managed to reduce my debt.? I believe I could eliminate all of my debt in the next year or two, but would rather do it with a lower interest rate and without giving the credit card companies more of my money than I have to.

Monthly net income: $ 2000

Monthly expenses: $ 1520
??Housing: $?640
??Insurance: $ 0
??Car expenses: $ 500
??Utilities: $?150
??Phone, cable, internet: $?30
??Food, entertainment: $ 200
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0

Thanks for your bids!

Paying for rent til F/T work starts

The purpose of this loan is to pay for rent until my full time job at the hospital starts at the beginning of June. This loan will be used to pay for rent, food and bills. My Financial Aid covered the school year but there is a gap between the end of the school year and the time I am allowed to start work at the hospital. I am a good candidate for this loan because I pay my bills on time and am about to graduate from Johns Hopkins School of Nursing and I will be a full-time nurse.

Paying off credit card, rate 31.99%

Purpose of loan:
This loan will be used to? address 31.99% interest rate on a credit card

My financial situation:
I am a good candidate for this loan because? of my payment history on current obligations.? My credit rating was above 800 until 1997 when I went through a divorce

Monthly net income: $? 3900.00

Monthly expenses: $
??Housing: $ 650.00
??Insurance: $ 81.00
??Car expenses: $ 592.00
??Utilities: $ 75.00
??Phone, cable, internet: $ 71.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 300.00
??Other expenses: $ 260.00

My loan to pay tuition fees.

Purpose of loan:
This loan will be used to pay the tuition fees to take some additional classes. I already have a 4 year college degree in chemistry and a permanent job. I am planning to take some additional classes in my field to qualify for higher paying positions.

My financial situation:
I am a good candidate for this loan because it will be spend wisely. I don't understand why my prosper rating is low even though i have very good credit. The revolving credit balance that I have?on file?above is not due to lavish spending?but on education. I?wanted to focus more on studies than work during my junior/senior year. I now have a full time job so I am sure that the money burrowed will be spend wisely and paid back on time. So far I have never missed a single payment on any of my cards. Of the five cards stated in my credit line, 2 are completely paid off and the remaining 3 are current.

Monthly net income: $2600 after taxes

Monthly expenses: $
??Housing: $300
??Insurance: $100
??Car expenses: $150 + oil changes?(on average)
??Utilities: $30
??Phone, cable, internet: $40
??Food, entertainment: $225
??Clothing, household expenses less than $50
??Credit cards and other loans: $300
??Other expenses: n/a
?Total/month : ~$1200

Roof needs repair!

Purpose of loan:
This loan will be used to repair the roof on our home. With all the rain we've had lately, it's starting to spring small leaks and we'd really like to repair them before we have to replace the entire roof. If there's any left over, we will also be installing more secure front and rear doors. They are flimsy and aren't very secure. We have 2 granddaughters living with us at this time and haven't had the opportunity to save a great deal.
My financial situation:
I am a good candidate for this loan because I have been employed with the sheriff department for over 10 years and am also chief deputy coroner for our county, as well as assistant fire chief for our volunteer fire department. I work on squad cars and generate additional income at times. My wife also contributes as an autopsy assistant, which brings in extra income, but is not included in my income.

Monthly net income: $ 2400.00 ???? ????

Monthly expenses: $ 1173.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Pay off Private Note

Purpose of loan:
This loan will be used to pay off private loans that were used for home improvements.

My financial situation:
I am a good candidate for this loan because I will make the repayments on time and can possibly pay off the loan early.

Monthly net income: $
8750
Monthly expenses: $
??Housing: $ 2250
??Insurance: $
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $ 2251
??Other expenses: $

Parents' Visit

Purpose of loan:
This loan will be used to give my husband's elderly parents the opportunity to visit us. They have not seen us for 7 years and haven't even?seen their great-grandchild yet. They live in South Africa; the airfare will cost about $4000.

My financial situation:
I am a good candidate for this loan because I have borrowed money through Prosper on two previous occasions. The 1st loan is paid in full and the 2nd loan is in good standing. My debt to income ratio is high but I need you to keep two things into account: a) My husband's income is not reported on this application, and our combined income pays for our debt, b) I am also a full time student; just finished BSN and started with a Masters Degree.?The student?loans account for a great percentage of my debt.

Medical Expenses

Purpose of loan:
This loan will be used to? My wife and I are going thru the IVF process, our insurance will not cover the full amount. We plan to pay this back within 24 months

My financial situation:
I am a good candidate for this loan because? my credit history is very good; thanks to my wife's income, we pay our debts in a timely manner. Our plan was to use our Marriott Rewards card; as the balance was low - but much to our surprise, they lowered our limit due to 'unused' line. We are disputing, but have already begun the medical process! Our combined income is 120k for 2009

Monthly net income: $ 5650.00

Monthly expenses: $
??Housing: $ 2950.00 ????
??Insurance: $ inc
??Car expenses: $ 190.00
??Utilities: $ 400.00
??Phone, cable, internet: $ inc
??Food, entertainment: $ 500.00
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $ 600

Consolidate Debt, Start A Business

Recently, my wife's income was halved due to company layoffs. She was one of the lucky ones, but now our family of 6 (four children, two adults) have been hit hard. We had our home foreclosed on, and have to rent a substandard home for the same monthly payment that we paid for our mortgage. We want to consolidate some of our debts, and also start a local business, in hopes of employing ourself and our children. Our debts that we consolidate will in turn help to pay our monthly payment for this $15,000 loan, making it zero risk as far as the monthly payment is concerned. Thanks to all the Prosper members for their help and support, and we hope soon to be funding other members loans and dreams, to fulfill the circle of giving.

Pay Off Med.Bills/Prepare 4 College

Purpose of loan:

~Pay off the medical bills that are due immediately, before they go to collections.?
~Since 2007:?32 days in hospital;3?major surgeries;20 surgical procedures;14 months total of rehabilitation services;4 years medications averaging $600-$800 a month.
~We have paid and will pay every medical bill down to the penny (our youngest was simultaneously afflicted with an?unrelated serious medical issue; since recovered), including our son's.
~We will put as many of these bills as we can into one monthly payment.
~We can then start looking?ahead at three college educations and continue to build back up our credit.
~A score in the mid-600's indicates how high my score was prior! With this loan, it will progress much quicker back to the high 800's.
~All PAST delinquencies are from 2004 and?pertain to medical bills/Current Open Credit Lines: 4--NOT?7! All others closed.
~~NOTICE: 0 NOW DELINQUENT/$0?AMNT DLQNT?
~I HAVE NEVER DECLARED UNEMPLOYMENT NOR DISABILITY, even at the encouragement of my Doctors!

My financial situation:
~I am a writer: lump sum?of $11,000 end of March/continues every 8 - 10 weeks.
~Wife-Registered Nurse IV (highest pay level) top "Hospital to the Stars" in Los Angeles for over 20yrs.-same department.

Monthly Net Income:$9600-$10,400

Monthly expenses: $6480
??Housing: $2950
??Insurance: $250
??Car expenses: $240
??Utilities: $180
??Phone, cable, internet: $160
??Food, entertainment: $1000
??Clothing, household expenses $400
??Credit cards and other loans: $300
??Other expenses: $1000

Make Home repairs

Purpose of loan:
Make repairs to a bathroom.
My financial situation:
I am a good candidate for this loan because?
My monthly income is rather high. However, my monthly credit card debt is high because they were used to make substantial home improvements. The credit cards were going to be paid off with a home refinance. Unfortunately, I lost about $150,000 in equity because of the housing market which leaves the house underwater.
Monthly net income: $

Monthly expenses: $
??Housing: $?3700.
??Insurance: $ 100
??Car expenses: $ 1200
??Utilities: $ 250
??Phone, cable, internet: $ 150
??Food, entertainment: $ 400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2000.00
??Other expenses: $

3rd Loan Never Missed A Payment

Hello Propser community this will be my third loan through Propser. My first loan was used to pay off some credit card collections to help get my credit score up for my fiance and I to purchase our first house. My dream came true in August of 2008 when we closed on our house and we couldn?t be happier. Now I am reaching out to the Prosper community again for help. I have a perfect payment history on my first two loans had raised my credit grade from HR to a D I have also paid off my first loan 6 month early. This loan is going to be used for my summer semester of school. I currently attend a private school and want to take summer classes to finish a year later. ?
This is an instant loan because we need the money to pay for my semester ASAP and are again willing to pay the higher interest rate to reward the lenders.

My financial situation:
I am a good candidate for this loan because I have been working at a steady job for over 6 years and have been going to school to further myself.

Monthly net income: $4000

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 150
??Utilities: $ 350
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 200
??Other expenses: $ 250 Current Prosper Loan $160 New Prosper Loan $410 Total $2,970 As you can see I have around $1,000 left over after all my monthly expenses and paying the new prosper loan. If you have any questions please ask. Thank you and God Bless you all.

Debt Consolidation

Purpose of loan:
This loan will be used to consolidate my debt.

My financial situation:
I am a good candidate for this loan because I have a steady job and a good credit history

Monthly net income: $

Monthly expenses: $
??Housing: $2000
??Insurance: $75
??Car expenses: $100
??Utilities: $400
??Phone, cable, internet: $122.02
??Food, entertainment: $900
??Clothing, household expenses $200
??Credit cards and other loans: $500
??Other expenses: $

HELP MY MOTHER!!!

Purpose of loan:
This loan will be used to?
I would like to be able to help my mother with a few repairs around her house. Also, I am going back to school for computer technology and want to make sure that I have the funds to do so.
My financial situation:
I am a good candidate for this loan because? I had a previous loan with Prosper and was very diligent in paying it back. I also like the idea of friends helping friends. I want to be a lender someday soon myself.????????

Monthly net income: $?1850.00????Monthly expenses: $ 1370.00
??Housing: $ 200.00????
??Insurance: $34.00
??Car expenses: $?80.00(fuel,oil)
??Utilities: $
??Phone, cable, internet: $ 42.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $501.00???Other expenses: $ 523.00

High-Income, Want to Lower Rate

Purpose of loan:
This loan will be used to pay down 18% debt.

My financial situation:
I am a good candidate for this loan because I can carry the debts I have now without much trouble. During a recent slow time in my industry, I took on some of the debt while continuing to heavily fund my retirement accounts (I am questioning the wisdom of that now, but live and learn). I intended for the one account I am targeting to be a short term cash flow bridge....income was down a bit longer than anticipated as the economy was sluggish. Now that I am back on track, I expect to pay down ahead of schedule, but in the mean time I want to "refi" so I can pay off even faster. I have never been delinquent on a payment and don't intend to start now. I am willing and able to tap my retirement accounts to pay down if necessary. I had considered just doing that and net of taxes and penalties could wipe out existing debts. However, for the long term this would work out better and I believe the "investor"/lender in this case will make a nice return on their money for such a short term commitment. Also, $10,000 of the $66k in revolving credit is essentially a second mortgage. I paid off my 8.5% 2nd mortgage with a 4% credit card balance transfer offer which has worked very well...only downside is the ding to my credit. However, given my good credit score and debt/income ratio I was still able to refi my 1st mortgage at 4.75% last year (after the underwriting and proof of income standards had been drastically tightened).

Monthly net income: $ 11,000 (after tax)

Monthly expenses: $ 10,000 (including potential payment from this loan)
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Paying off credit cards

Purpose of loan:
This loan will be used to? pay off credit card debt

My financial situation:
I am a good candidate for this loan because?I pay my bills but have been caught by the credit crunch. I paid down substantial amounts at the end of last year, but then my credit lines were reduced. This came at an inoportune time because several family emergencies required me to need to access credit and so my?used debt to available debt ratio has become too high for most lenders and my rates have gone way up.?I also have substantial retirement savings that are still intact and that I still am funding through payroll deductions.

Monthly net income: $ 5400

Monthly expenses: $
??Housing: $ 2650
??Insurance: $?100
??Car expenses: $ no car loan, minimal gas (commute is only 2 miles)
??Utilities: $ 100
??Phone, cable, internet: $?200
??Food, entertainment: $?400
??Clothing, household expenses $?50
??Credit cards and other loans: $?1000 (to be replaced with new loan)
??Other expenses: $ 60