Bridge loan for travel after Ph.D.

Purpose of loan:
The purpose of this loan is to provide funds to travel between the completion of my Ph.D. and the start of a new job.

My financial situation:
I am a good candidate for this loan because I am a responsible graduate student who will be graduating with a Ph.D. in Chemistry in August 2010. I will be starting a job in October 2010 which will provide sufficient funds to pay off this loan as well as aggressively pay off my credit card debt. While I have saved enough money to pay for my basic expenses during the two months between finishing school and starting a job, I would like to be able to travel as well.?
This is a short-term loan and I expect to pay the entire loan back by the end of December. My previous Prosper loan was paid back very quickly, and my credit score has improved by more than 40 points since that time due to cutting many expenses and paying off credit card debt.

Monthly net income: $ 1894

Monthly expenses: $ 1341
??Housing: $ 590
??Insurance: $ 86
??Car expenses: $ 0 -- car was paid off during 1st year of graduate school (payments made on time for 5 years)
??Utilities: $ 0 -- included in rent? ??
??Phone: $ 50
??Food, entertainment: $ 200?
??Credit cards and other loans: $ 415

Q: I have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007

A: I will absolutely be paying this loan back. I paid my previous Prosper loan back in full very quickly, and plan on doing the same for this loan. Paying my debts is very important to me. Furthermore, the job that I will be taking after graduation is paying for my housing while I am in training, allowing me to put an even larger portion of my monthly salary toward my goal of becoming debt-free. Thank you for contributing to my loan. I appreciate you putting your trust in me. (Jun-29-2010)

Q: Hi, How did you build up your revolving credit balance? Thanks, - p2ploan-sensation211

A: I have been living mostly month-to-month on a graduate student's salary for the last six years. When unexpected expenses occurred a few years ago (several thousand dollars replacing my car's engine, replacing a computer I needed for work), much of that went on my credit card as I did not have an emergency fund established. I have since changed my lifestyle (cheaper rent, no cable, etc.) to free up more money to pay down those debts, resulting in an improved credit score. (Jun-30-2010)

3rd Loan-Paid Off 30k-For Inventory

Purpose of loan:
I will use this money to again purchase more inventory.? My previous Prosper history should give additional confidence to anyone wanting to bid on my loan.? $30,000 paid back is quite an accomplishment.? I was one of the 1st $25,000 loans with an E credit grade on Prosper.? I have since paid that loan off and got a 2nd loan for more inventory to sell on Ebay.? That loan has also been paid back.? My Ebay user id is cmjsupply.? I have been a member of Ebay since December 19, 1999 and have a 100% Feedback score of 4000 which is Very Rare.? I always put my customers first which I think you can see by my Ebay Feedback score.?

I am also a lender on Prosper and have had 8 out of 14 loans go into default.? I know how frustrating it is when that happens.? That feeling in itself would keep me from defaulting on this loan.??The new Prosper rating system seems a little messed up.? I went from a B to a HR but my Prosper history should answer any doubts about paying back this loan.? For this reason I understand that a higher rate must be demanded so I am increasing my percentage from 14% of my previous loan to the maximum 35% interest rate.? This is an extremely fair interest rate in my opinion.? Based on all of the above, I can guarantee payment of this loan.

My financial situation:
I am still working to be debt free.? My son had brain surgery 4 years ago in March and some of those deliquencies have now shown up on my credit score.? I will pay these medical bills off in the future but I am focusing on getting debt free with creditors first.? The financial breakdown below does not include my Ebay income, which is about $500 a month.

Monthly net income: $ 7000.00

Monthly expenses: $
??Housing: $ 2200.00
??Insurance: $ 165.00
??Car expenses: $ 750.00
??Utilities: $ 400.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 500.00
??Other expenses: $ 150.00
? New Prosper Loan: $ 275.00

? TOTAL: $ 5090.00

? Monthly Left Over: $ 1910.00

Putting in a new kitchen

Purpose of loan:
This loan will be used as partial funding for a new kitchen.? Due to appliance failure, there was smoke damage to the old one, so it has to be done.

My financial situation:
I am a good candidate for this loan because I've worked at the same job, lived in the same house, for decades, and have hardly any personal debt.

Q: I (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007

A: Of course! The only credit I have every defaulted on was one where electronic payment could not be established. I work long hours and get tons of mail--sometimes the bills get lost in the shuffle. With Prosper, the payments are automatically deducted from my checking account. I don't know how I would default, and have no desire to do so. (Jun-28-2010)

Funding for Graduate Education

Purpose of loan:
This loan will be used to help me pay for Graduate school expenses such as books and new software that I need to purchase to complete a fall semester class.The second half of the funding is going to cover my medical bills ($1,000), because the schools insurance did not cover these
medical procedures.

My financial situation:
I am a good candidate for this loan because I am never delinquent and pride myself in taking care of my bills and responsibilites.

Monthly net income: about 750 a month (current job working on campus when school is in session-fall/spring semester).

Monthly expenses: $
??Housing: $ 0.00-Living with Parents
??Insurance: $ 120.00
??Car expenses: $ 275.00
??Utilities: $ 0.00
??Phone, cable, internet: $ 0.00
??Food, entertainment: $ 0.00
??Clothing, household expenses $ 0.00
??Credit cards and other loans: $ 250.00
??Other expenses: Medical?$100.00

Q: Is it reasonable to believe that your food and entertainment costs are nothing? - lendmedo

A: It is resaonable. I live at home with my parents, internet /cable and food/lodging are one way my parents could support me with my goal. I am on a fast track with grad school, so most of my free time is put into research (internet/library) and getting a website up for my project in the next six months, so my project is completed by May (as I take my last year of classes to complete my degree). At this point in my life, I must budget my time and money to earn my master's degree. Thank you (Jun-28-2010)

Q: Where are you going to school? When do you expect to graduate? What is your GPA? What are you studying? Thanks and best wishes. - reflective-rupee

A: I am currently attending Montana Tech and I am getting my Master's in Technical Communication which I have a 3.62 last semester. Thank you. (Jun-28-2010)

Down payment for Real Estate

Purpose of loan:
To increase my available cash in order to purchase another home at foreclosure auction.

My financial situation:
I am a good candidate for this loan because I have steadily improved my credit situation over the past 6 years since my earlier issues as a young adult. I have a great job for over?5 years and own?3 homes. All 3 homes are rented as I live with my partner of 2 years.
Monthly net income: $
My employer job pays $10,000 monthly along with rental income of $650 & $1350 & $1145?per month for the rental property.
Monthly expenses: $
??Housing: $ 450 balance left from mortgages after rental?offset
??Insurance: $ 280
??Car expenses: $ 1275
??Utilities: $ 0
??Phone, cable, internet: $135
??Food, entertainment: $500
??Clothing, household expenses $200
??Credit cards and other loans: $200??
Other expenses: $

Q: How much available cash do you already have? How much do you need in order to buy the kind of property you want? Thanks and Good Luck! - proton346

A: I have 12,000 to use as a downpayment. The amount needed as a down payment depends on the property that I'm looking at that day but my banker suggested that I have between 15,000-25,000. (Jun-24-2010)

Q: If you make $10K a month, why do you need this loan at all? Based on your expenses, you should be able to save this amount in a few months. - revenue-sapling

A: I had more than enough but spent $24k in renovations during the months of April and May in one of the homes. If you note, I've borrowed before and paid off before the note was due. It is about timing, I've missed a deal that I could have purchased for about 25% of value if I had the available cash at that time. (Jun-25-2010)

Q: I (ridiculously) have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007

A: Toastmaster007-I'm sorry to hear about your track record. If you noticed, I've had two other loans and paid off both early! My income information should show as verified as I've sent in all my w-2's for 2008, 2009, and most current pay stub for 2010 which shows$79k from my employer and a copy of my deposits for the rental property to date for 2010. I've never defaulted on any loan. (Jun-26-2010)

Q: Why were you late four times on your Prosper loans? - Johnab

A: They were during my first loan when I switched bank accounts. (Jun-26-2010)

Q: Hi there, could you explain the 5 delinquencies in the last 7 years? I was under the impression that auctions of foreclosed properties required 100% cash on hand (at least that's the way in CA). - green-rapid-openness

A: Thank you for your questions. They were all in 2004 while I was sick from a brown recluse spider bite. I was in a medical coma for 65 days and 9 months of recovery but didn't default on any obligations even though I was late. Also, they do not require 100% in NC. You are required to have 100% funds within 48 hours which I would with the necessary downpayment and with my bank providing the other money without doing a mortgage. (Jun-29-2010)

Pay Off Credit Card, Built Credit

Purpose of loan: To Pay off my credit card and to pay for a continuing education course.
This loan will be used to? Pay off my credit card balance and to allow me to pay for a continuing education course.

My financial situation: I have a permanent job as a licensed Physical Therapist in a well established medical center. I have been trying to establish credit for the past two years and the multiple credit inquires have lowered my score.
I am a good candidate for this loan because I can comfortably cover this amount monthly and have never had a late payment. I have no student loans. I have no car payments as I paid for my car in cash I have a modest lifestlye. I have $8500 in my 401K.

Monthly net income: $ 3700

Monthly expenses: $
??Housing: $500
??Insurance: $ 0 (full health insurance covered by employment benefits)
??Car expenses: $140
??Utilities: $80
??Phone, cable, internet: $220
??Food, entertainment: $350
??Clothing, household expenses $120
??Credit cards and other loans: $200
??Other expenses: $100

Pay Off Lawyer Fees

Purpose of loan:
This loan will be used to? to pay off lawyers fees to fight custody battle

My financial situation:
I am a good candidate for this loan because? i have good credit, my debt to income ratio is low i am in school again

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: $

Q: Will you continue to work full time while you are in school? Thanks and best wishes. - reflective-rupee

A: Yes, I have worked there for 5 years. I attend school online to become a full time paralegal so it has not been an issue. I have a 4.0 GPA (can show proof) I am part-time so I only take two classes a semester. I have a B.A. from the University of Minnesota in Sociology: Law, Criminology and Deviance. After that experience I knew I could go back but I wanted to maintain a high GPA with working fulltime so I am having no problems going online, working fulltime and maintaining a 4.0 GPA (Jun-27-2010)

Q: Hi, why did you relist your loan request? Thanks. - interest88

A: To be honest, out the gate I knew I needed a $4,000 loan but I was scared and low balled it because I was afraid. So when I did I talked to my mom and she said call Prosper and speak to a representative. I did and I decided to ask for what I needed so I unlisted and relisted for $1,000 which is what I need. (Jun-27-2010)

Q: Is the custody battle over? Thanks. - dynrep

A: No, progress is being made but it is 5 steps forward 3 steps back. It is a lot of filing paper work, responding to paper work and getting served paper work. This was suppose to be an easy process for the other person to join the military but they tried to get me to sign over rights to a third party and I said no. (Jun-27-2010)

Starting a business

Purpose of loan:
This loan will be used to cover expenses to start a business of my own.

My financial situation:
I am a good candidate for this loan because I do have a full time job over the last 5yrs and my position with my current employer is secured. Also, this should be a short term loan as I expect the business to yield profit by September and hopefully the loan will be fully paid off in November/December.

Personal Loan

Purpose of loan:
This loan will be used to??help pay for braces for one of my daughters and get her into a select soccer club.? My insurance will not cover then entire amount and we need to get her started in braces as she is already 10 yrs old.? She fell as a small child and it caused her front teeth to grow in crooked.?

My financial situation:
I am a good candidate for this loan because? I am steadily employed as Logistics Director of my company.? I am rebuilding my credit and this loan would help me accomplish that as well

Monthly net income: $ 6175

Monthly expenses: $
??Housing: $ 1689
??Insurance: $ 130
??Car expenses: $?465?
??Utilities: $ 300
??Phone, cable, internet: $ 170?
??Food, entertainment: $ 500
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 75
??Other expenses: $ 500

Daughter in Accident.

Purpose of loan:
This loan will be used to apply to my daughters car repair as this is a no fault state and weather cannot be a blame.?

My financial situation:
I am a good candidate for this loan because I have consistently and promptly paid all debt, or responsibilities that I am accountable for

Monthly net income: $ 3,500.00

Monthly expenses: $ 2, 800.00
??Housing: $ 1,560.00
??Insurance: $ $190 auto, $86.00 medical
??Car expenses: $ 230 payment ending March 2011
??Utilities: $ 200
??Phone, cable, internet: $ 160
??Food, entertainment: $ 200
??Clothing, household expenses $
??Credit cards and other loans: $370
??Other expenses: $

Pay higher interest credit cards

Purpose of loan:
This loan will be used to?
Pay my?Credit Cards
?My financial situation:
I am a good candidate for this loan because
i don't have many accounts, and i never had a late payment.
Monthly net income: $ 3,700

Monthly expenses: $
??Housing: $?500
??Insurance: $ 50
??Car expenses: $?500
??Utilities: $?
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $?
??Credit cards and other loans: $ 500
??Other expenses: $ 200

Q: Hi, your monthly surplus is nearly $2000. Why do you need this loan to pay off your cards? Thanks. - interest88

A: Because i have other families expenses and i want to pay off my cards. (Jun-27-2010)

Q: Thanks, what is the total amount of debt that you owe? What is the interest rate, and the monthly payments? - interest88

A: my total debt now is $4,200 with an interest of 34.99, monthly payments are over $500.00, i just want to have only one payment for all this cards. (Jun-28-2010)

Q: Thanks, is the minimum payment $500, or are you paying extra? - interest88

A: I'm paying extra every month. (Jun-29-2010)

Debt Consolidation

Purpose of loan:
This loan will be used?for debt consolidation.?

My financial situation:
I am a great candidate for the requested loan because I am seeking the funding simply as a way to lower my cost of credit as I take definitive actions to reduce my overall debt level.I am not in a financially stressed situation.The funds that would be provide by this loan would be part of a process of operating more efficiently and effectively from a personal finance standpoint.I am very trust and credit worthy and?I have never failed to meet any financial obligation as my credit report will show.? I have a strong reliable income stream in my profession that will only improve as the U.S. and world economies recover more fully from the?recent recession. In addition, I am recently married , so I now have a dual income household ? things are looking up.??

My background as a CPA and CMA with a Masters Degree in the technology field and financial systems expert level skills demand that I maintain the highest integrity in both my professional and personal affairs. I have over 20 years of professional work experience.? I have been in my current job for 1 year and 11 months as a member of the senior management team for a technology consulting firm.? With that I?will meet my obligations under any new loan agreements with the same care and responsibility.? My reason for seeking a loan on Prosper is two-fold: 1.?I love the idea of having the terms of my loan determined by a real free market t process and 2.? I feel confident that upon close examination of my overall circumstances and standing, that prospective lenders will find me worthy of the loan amount that I have requested and it will be viewed as a good investment in light of my ability to pay with a very high degree of dependability, namely a perfect payment history.?

In summary, working with me is a low risk investment.If you make me a loan you will be repaid as I consider it both a legal and moral obligation to pay my debts without exception.? Help me help you earn a favorable return on your investment.

Q: I have 1 default & 2 on the way to default in only 7 months as a lender. Hoped for better as we lenders are real people just like you. We are taking a chance on you. Will you promise to pay this back - NO MATTER WHAT? - Toastmaster007

A: I absolutely promise to pay every amount owed in full no matter what. As I have attested to in my listing summary, I have not ever not paid any debt or bill. I fully understand the commitment that a lender such as you are making in extending credit and I feel a personal responsibility to keep my end of the bargain. One day I hope to be a lender on Prosper and will expect the same from anyone I would lend to. (Jun-29-2010)

Q: Please describe the components of your $150+K of revolving debt. Please explain how you incurred this debt. Thanks and best wishes. - reflective-rupee

A: A large portion of the balance listed as revolving includes sizable unsecured loans that were taken out to finance a purchase of a lucrative rental property, which I receive addtional income from. Sizeable in this case, means amounts approaching $100,000. All of these loans have favorable fixed rates and are in good standing. My reason for the loan request is to get more favorable amortization of the other amounts remaining. (Jun-29-2010)

Q: Hi there, could you shed some light on the very high revolving credit? Thanks and good luck with the loan. - green-rapid-openness

A: The revolving credit amount includes two sizable unsecured loans that were used to purchase a lucrative rental property in a part of the world frequented by european, russian and american vacationers - it is an important source of additional income. Sizeable in this case means total amounts approaching $100,000 for these loans. These loans are at favorable fixed interest rates and are in good standing. My debt consolidation objective is focused the other amounts in the total. (Jun-29-2010)