My loan for debt consolidation

NOTE: I realize my DTI is extremely high, but please note that I receive help from my parents which is not reported as verifiable income.

Purpose of loan:

I will use this loan to pay for my expenses over the next six months while I attend flight school.  As soon as I finish I will be able to go right back to work and pay off my bills.  My financial situation is not dire, however, I don't want to be putting my expenses on a credit card.  Thank you for your interest.

Monthly net income: $ 1200 (plus help from my parents)


Monthly Expenses:

Rent:  $275 (my share with roomate)
Utilities: $35
Food: $170
Prosper Payment: Depends on final interest rate
Flight School Loan:  $225
Misc: $100

Q: What is your current occupation? - Lender25

A: I tried to edit this listing before it posted because I wanted to get really in depth with my current status. I am currently working full-time as a server and next week I will begin a bartending position with the same restaurant. I have since finished flight school, which is entirely paid off. I attend school full-tme as well to finish up my bachelors in aviation administration, which is also going to be all paid off upon completion through the help of my parents and my current income. (May-15-2010)

Q: Humans, this is an excellent investment, let's lend to this one! I know Prosper allows the borrower to pay in full up to 36 months. Will you go the distance or will you pay this loan off sooner? If so, in how many months? PS: Please answer publicly. - hektek22

A: My goal is to pay the loan off sooner. I have guaranteed that I can pay the amount due on the loan every month for 36 months at the current amount of income I have. However, this week I began a job where I make double what I was making before so my goal is to pay this loan off in at least half the alotted time (May-18-2010)

Q: What are the balances and interest rates on your credit cards? Will you be working will attending flight school? - winger66

A: I have finished flight school and am currently working full-time. My balance on credit cards is 8,500 and the interest rates are close to 30%. This is all the debt I have left and I want to consolidate it all so I can pay it off in a timely manner as opposed to paying all the credit card companys just interest every month and getting very little accomplished on the principle. (May-21-2010)

New Roof & Windows in 1950 Bungalow

Purpose of loan:
This loan will be used to replace and repair the roof on my 1950's Bungalow in Atlanta. This is a very solidly built home, however the roof is very old and after the record rainfall and flooding we had last month, the roof started leaking. FEMA provided $345 toward the patching, but I really need to be a good homeowner and replace it. There are five upstairs windows that are the old aluminum roll out kind. Great in the spring and fall, but horribly inefficient in the heat and cold. I have two bids on this, both in the $8K range and I'd like to have a bit of padding...just in case.

My financial situation:
I am a good candidate for this loan because I love my home, and I pay my bills on time. I just had my mortgage re-modified to a lower payment, and I paid off $10K in debt this past summer from a small insurance inheritance. If I could have foreseen the future (and the historic rainfall) I would have put the money toward my roof instead of debt. However because I did pay down that debt, I have some extra each month to put toward this loan.

Monthly net income: $ 2720

Monthly expenses: $
??Housing: $1279
??Insurance: $ 160
??Car expenses: $?100
??Utilities: $?211
??Phone, cable, internet: $?75
??Food, entertainment: $?150
??Clothing, household expenses $?50
??Credit cards and other loans: $?350
??Other expenses: $ 14

Paying off my credit cards

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: $

Q: WHat are your monthly income and expenses? Also, what is the interest rate on the debt you plan on paying off? - smarva

A: Income (roughly): 2,200 after deductions and taxes Expenses (roughly): (rent, utilities, student loans, credit cards, groceries; transportation is covered by deductions above) 1,650 Current Interest rate: Average of 28% This just chips at the debt that I'm trying to pay off. I figure a 9% drop in interest rate is worth it, and paying this loan will improve my Prosper rating for better rates on later loans. I'd also rather see the interest money not go to my credit card companies. (May-12-2010)

My personal loan

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

My loan for debt consolidation

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

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

Q: Where/why do you have $355 delinquent? - shellstar

A: Thank you for asking. My now ex-wife asked me to add her neice to my verizon phone account. Well it wasn't until several months later that I just happened to check my credit report and found the collection. Her niece had dropped verizon and got another service without informing me.Only Experian still shows it on my credit reports.Equifax and Trans Union have both deleted it.Thank you again. (May-20-2010)

My loan for an auto purchase

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.

Purchase of a new home.

Purpose of loan:
Ok. Im going to try this again. I realize that my history doesnt look great on paper, but if there is anything I can do to prove my character and my ability to repay, please feel free to ask questions. I have no problem answering publicly. I have nothing to hide and would love the chance to prove im not as high a risk as I appear. Thanks!!!!!

This loan will be used to assist me in the purchase of a new home.?Last year I finished my four years of active duty in the United States Navy and entered the Virginia State Police Academy.? I am now currently a Trooper with the Virginia State Police as well as remaining in the US Navy Reserve and have finally found a home to purchase close to my barracks.? The mortgage is all approved, however, they require a 5% down payment and thats where I hope that Prosper can come in.?Im?buying the home for 159,000.00, so the 5% down payment will come to 7,950.00.

My financial situation:
To be honest I want to let?any potential lenders know that I do have a bankruptcy in my past which is what still has my credit score fairly low. It was discharged 7 years ago and I have had no issues since. I can verify if needed?that since then I have purchased a new car, motorcycle, and also had a small personal loan through my credit union that were all paid accounts?in good standing with no issues. Also, I would like to explain the delinquecy you will see on my report. I am recently divorced, and the delinquencies are from a home my ex wife and I purchased prior to my joining the Police Academy that is currently in the process of a short sale. For anyone unfamiliar with?a "short sale" please contact me and I can explain. I can tell you however that the mortgage for the new home is being carried by the same company, so I am definately still in good standing with them. Also, I will be receiving 6000.00 for my GI Bill in July of this year and plan to put the bulk of that into?paying down this?loan. I just dont want to chance losing the house between now and then! If there are any other questions about my financial situation, please do not hesitate to contact me. Thank you in advance for your help!?

Monthly net income: $ 2850.00

Monthly expenses: $ 1990.04

Housing: $ 930.04???????????(Will be the mortgage payment for the new house. Current rent is 800.00)
?Insurance: $ 150.00??????? ?(Total?vehicle insurance for one car and one motorcycle. Health insurance is covered by the Navy.)
Car expenses: $ 160.00?? (Car is paid off in full. 160.00 per month is a motorcycle payment.)
?Utilities: $ 200.00??????????? (Estimated cost for electric and gas in the new home.)
Phone, cable, internet: $ 200.00
Food, entertainment: $ 300.00
Clothing, household expenses $
Credit cards and other loans: $ 50.00
Other expenses: $

3 Previous Prosper Loans NEVER LATE

Purpose of loan:
This loan will be used to finish our basement.?We will be putting the house on the market later this year to relocate for my husband?s job. The extra bedrooms/bath will increase the value. ?The mortgage is only in my husband?s name since he purchased it before we were married.

My financial situation:
I am a good candidate for this loan because I have had multiple Prosper loans in the past and stayed current on all my payments. In fact, I paid all the loans off early. My ex-husband ruined my credit years ago, and we ended up having to file for?bankruptcy right before our divorce in 2005. I have worked hard to rebuild imy credit?since then. My husband and I have great, stable jobs.

Net Monthly Income: $1890 + $2530 (Husband?s Income)

Monthly Expenses:
Mortgage $1307
Utilities $325
Car Expenses $537
Insurance $91
Phone/Cable/Internet $150
Food/Entertainment $300
Household Expenses $250
Credit Cards $500??

After our monthly expense, we have about $950 left over every month to pay this loan.

Payoff Credit Cards!

Purpose of loan:
Hello Everyone,
This loan will be used to payoff high interest credit cards.

This loan amount is much less than the Prosper loan I had in the past that I paid off with no problems. I?resently tried to get a loan through Prosper for a larger amount that did not get funded, So maybe smaller steps to achieve my goals will work.

My financial situation:
I am a good candidate for this loan because I can pay the money back on time!!!?
This is my second Prosper Loan, This first one I had automatically deducted monthly from checking account and paid it off early!

Monthly net income: $ 7200.

Monthly expenses: $? Before Loan
Housing: $?1450
??Car Insurance: $ 300
??Car expenses: $ 1785
??Utilities: $ 150
??Cell Phones, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 100????
??Credit cards: $?50??
??Gas expenses: $ 400

Monthly expenses: $ After Loan
??Prosper Loan: $? ???
? Housing: $?1450
??Car Insurance: $ 300
??Car expenses: $?1785
??Utilities: $ 150
??Cell Phones, cable, internet: $ 250
??Food, entertainment: $ 500
??Clothing, household expenses $ 100???
??Credit cards: $?0?
??Gas expenses: $ 400

Q: Please list the debts you are consolidating (lender, balance, APR and current monthly payment made)? Also what do you do for a living? Thank you!!! - DasMula

A: Have two credit cards I wish to payoff. One is with Chase and one is with HSBC. Balance on both is about 2500 each, plan to add 1000 that I currently have to get them paid off. The interest rate on both is 29.99%. I usually send extra but the minimum is usually around 60$ each. I am a manager in IT operations. (May-17-2010)

Q: Nice job filling out the loan application. I wish everyone was a detailed as you. - the-profit-oracle

A: Thanks, Hope it helps! (May-20-2010)

Q: Your request for a loan is confusing, you first asked for $21K for a truck\bike loan then you asked for the Jetta alone and now recently for your CC, but your CC debt is only 2K , not 5K as told to DasMula and not 4K as you loan request, why? - jpblan11

A: I am not sure how you see my credit card debt as being 2K, but if needed I can provide credit card statement showing it is the 5K. (May-23-2010)

My loan for debt consolidation

Purpose of loan:
Pay of credit cards

My financial situation:
I am looking for a short term loan of 6 -12 months, I am doing a side job that should net a minumim of $50k

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: $