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Judith Wanted A Student Loan For $32000, Lagrange, Georgia

$32000 Student Loan – Lagrange Georgia, Credit Rating Of 604

  • Experian: 616 – This individual had a good Experian score
  • Transunion: 591 – Judith had a good credit rating with Transunion.
  • Equifax: Judith’s Experian score was 604, which is a good credit score using the Experian rating scheme.

Installment loan for Judith, a graduate of University of Louisville and a sales representative working for over $76,000 per year

Judith, an alumnus at University of Louisville and a sales representative in Lagrange, Georgia needs a student loan to purchase a house. Judith has instead chosen to get an installment loan for $25,000 and is currently seeking lenders like Bank of Morgan County to process their request.

Paraphrased and Standardized Quote from Judith for this student loan of $32000, provided by Commercial Bank & Trust Company of Troup County

Hi, I am Judith and my hometown is Lagrange in Georgia. Troup, county is where I grew up, and now I need a student loan in Georgia for $32000 to renovate my home. It wasn’t easy, but Commercial Bank & Trust Company of Troup County really came through for me with this loan for 6.0% interest APR and a term of 5 years. I can repay the loan over the 5 year term, including interest. A big thanks to Commercial Bank & Trust Company of Troup County for trusting me and my good credit. It look me 6 years to build my credit to 604, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $34,000.00 to $58,000.00. They are typically used to pay off existing high interest loans like credit cards. Judith required a debt consolidation loan to pay for their existing student loan and their payday loan. Judith was able to find a student loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.

Signature Loan found in Lagrange, Georgia for $32000 with good credit by Judith

Most prospective borrowers have difficulty with finding signature loans in Lagrange, Georgia, and Judith is no different. Judith went to 7 lenders or more before finding Commercial Bank & Trust Company of Troup County, who offered Judith a signature loan for $32000. Typical signature loans simply require a client, like Judith’s signature to obtain them, up to $22,000 in some cases. Judith was able to get $32000 as a student loan, which is very high for a student loan. Because signature loans do not need collateral, they generally require higher credit, as high as 712

When Judith was 20, they tried to obtain a student loan from 5 different lenders, which harmed their credit score. Below is a chronology of Judith’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on August 24, 2011
  • Attempt 2) Loan for $36,000.00 on March 18, 2010
  • Attempt 3) Loan for $25,000.00 on August 13, 2013
  • Attempt 4) Loan for $35,000.00 on July 2, 2011
  • Attempt 5) Loan for $27,000.00 on December 3, 2010

Judith was declined by Bank of Morgan County 6 times before being approved by Commercial Bank & Trust Company of Troup County at 200 North Greenwood Street

On January 7, 2010, Judith applied about borrowing $17,000 from The Citizens and Southern Bank of Colquitt County with Johnathon, their in law from just outside Lagrange, and even with the co-signer, Judith was rejected for this student loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Contact Details for Commercial Bank & Trust Company of Troup County, the provider of this student loan

  • Commercial Bank & Trust Company of Troup County
  • City: Lagrange
  • State: Georgia
  • Address: 200 North Greenwood Street
  • County: Troup
  • Zip code: 30240

Before applying for this student loan, Judith had an Experian score of 616, which is good, so Commercial Bank & Trust Company of Troup County most likely cannot provide Judith a student loan

Experian Score: 616

Client Profile: Judith Sundman of Lagrange, Georgia
  • Full name (Changed if requested): Judith Sundman
  • Current Credit: loans.hit.utils.Fico@4783da3f
  • Current City: Lagrange
  • State: Georgia
  • Zip code: 30248
  • Yearly income: $41,000
  • Current Job: sales representative
  • Current County: Troup
  • Goal Yearly Income: $123,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Personal Loan for a sales representative named Judith in Lagrange, Georgia to Pay Off Spirit Airlines

Judith had a tonne of credit card debt on their First National Bank Business Edition Secured Visa Card and their Taleris Credit Union Visa Signature Card, and they were starting to get in over their heads. Despite Judith’s job as a sales representative, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

9 Months in the Past, Judith Attempted to Find a High Risk Loan for $38,000.00, and it was Easy

It is an ongoing struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Judith. Judith decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Clients with credit ratings as low as 566 can apply for a high risk loan and possibly can be accepted.

Judith has a disappointing current total income, but has a large amount of prospects

Judith has always wanted to be a horticulturist, but would need attend University of Louisville again to become one. Judith has other possibilities as well, including hardwood floor finisher, city planning aide, and vocational education teachers, which pay $56,000 through to $101,000 per year, on average. Because of this, we think that Judith can afford this student loan of $32000.

Fast Loans for Judith in Lagrange, Georgia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Lagrange, Georgia aren’t actually that difficult to obtain, especially if you have some finesse like Judith. Judith was able to find a fast loan for $32000 from The Citizens and Southern Bank of Dublin and The Citizens and Southern Bank of Dublin, but declined both offers in favor of their student loan from Commercial Bank & Trust Company of Troup County. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. Much better in the case that you are in a time sensitive situation.

Previous requests on Judith’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$48760.00 6 9.4% $888.64 NationsBank of Florida, National Association December 29, 2009
$49420.00 3 8.7% $1564.65 Century Bank and Trust April 7, 2014
$48790.00 5 7.3% $973.02 Bank of Madison May 19, 2014
$49450.00 10 9.1% $629.09 Bank of Hazlehurst February 21, 2015
$49210.00 5 7.7% $990.75 The Citizens and Southern Bank of Dublin June 11, 2015

Judith’s Overall FICO score at the time of acceptance for a student loan, taking into account their sales representative job and their future job as a horticulturist

Fico Score: 604

Judith’s Transunion score was altered by the student loan loan, changing to 591 from 604, which is typical in our experience.

Transunion Score: 591

Many other requests for credit have been made by Judith in the past, including one from First Network Savings Bank in Lagrange, Georgia before Judith was approved for the $32000 by Commercial Bank & Trust Company of Troup County

Judith made 8 previous attempts to obtain a student loan, 2 of which were with First Network Savings Bank, a lending institution in Lagrange, Georgia known to specialize in student loans specifically. Before finding Commercial Bank & Trust Company of Troup County, Judith was desperate due to their inexperience and good credit score.

Conclusion of Judith’s student loan

In the end, Judith was able to find a student loan for $32000 with an interest rate of 8.5% interest APR from Commercial Bank & Trust Company of Troup County in Lagrange, Georgia repayable over 5 years from now.

Will Alexander

Will Alexander has over 10 years of experience as a financial expert and writer. The goal of his work is to assist the people of Texas in finding loans for lower interest rates than they thought were possible. Will specializes in bad credit loans.

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Names of borrowers and lenders have been modified, substituted, or fictionalized for search and privacy purposes. Information presented here is for entertainment purposes only and should not be interpreted as the truth.