$66000 Student Loan – Brownwood Texas, Credit Rating Of 739
- Experian: 755 – The client had an excellent Experian score
- Transunion: 722 – Shirley had an excellent credit score with Transunion.
- Equifax: Shirley’s Experian score was 739, which is an excellent credit rating on the Experian system.
Paraphrased and Standardized Quote from Shirley for this student loan of $66000, provided by First RepublicBank Brownwood, National Association
Hello, I am Shirley and I am from Brownwood in Texas. Brown, county is where I grew up, and now I need a student loan in Texas for $66000 to renovate my home. It has been difficult, but First RepublicBank Brownwood, National Association really came through for me with this loan for 8.3% interest APR and a term of 1 years. I can probably repay the loan over the 1 year term, including interest. A big thanks to First RepublicBank Brownwood, National Association for trusting me and my excellent credit. It look me 8 years to build my credit to 739, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.
When Shirley was 21, they tried to obtain a student loan from 4 different banks, which harmed their credit rating. Below is a chronology of Shirley’s previous attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on November 3, 2008
- Attempt 2) Loan for $31,000.00 on May 20, 2010
- Attempt 3) Loan for $37,000.00 on February 11, 2009
- Attempt 4) Loan for $34,000.00 on May 1, 2012
Personal Loan for a laboratory tester named Shirley in Brownwood, Texas to Pay Off Fulton Bank of New Jersey Visa Signature Bonus Rewards Card
Shirley had a lot of credit card debt on their First Hawaiian Bank Priority Rewards Credit Card and their FirstBank Southwest Credit Cards, and they were starting to get in over their heads. Despite Shirley’s job as a laboratory tester, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Multiple past requests for credit have been made by Shirley in the past, including one from Louisiana Savings Association, F.A. in Brownwood, Texas before Shirley was accepted for the $66000 by First RepublicBank Brownwood, National Association
Shirley made 5 previous tries to obtain a student loan, 2 of which were with Louisiana Savings Association, F.A., a lending institution in Brownwood, Texas known to specialize in student loans specifically. Prior to finding First RepublicBank Brownwood, National Association, Shirley was very concerned due to their inexperience and excellent credit rating.
- Full name (Changed if requested): Shirley Deglopper
- Current Credit: loans.hit.utils.Fico@9807454
- Current City: Brownwood
- State: Texas
- Zip code: 76810
- Yearly income: $33,000
- Current Job: laboratory tester
- Current County: Brown
- Goal Yearly Income: $84,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Signature Loan acquired in Brownwood, Texas for $66000 with excellent credit by Shirley
Many clients have difficulty with finding signature loans in Brownwood, Texas, and Shirley is no different. Shirley went to 5 lenders or more prior to finding First RepublicBank Brownwood, National Association, who offered Shirley a signature loan for $66000. Typical signature loans simply need a client, like Shirley’s signature to obtain them, up to $31,000 in some cases. Shirley was able to get $66000 as a student loan, which is very high for a student loan. Because signature loans do not need collateral, they generally require better credit, as high as 733
Contact Details for First RepublicBank Brownwood, National Association, the provider of this student loan
- First RepublicBank Brownwood, National Association
- City: Brownwood
- State: Texas
- Address: 111 Center Avenue
- County: Brown
- Zip code: 76801
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans range from $39,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Shirley required a debt consolidation loan to pay for their existing student loan and their payday loan. Shirley was able to find a student loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.8%.
Before applying for this student loan, Shirley had an Experian score of 755, which is excellent, so First RepublicBank Brownwood, National Association likely cannot provide Shirley a student loan
Fast Loans for Shirley in Brownwood, Texas to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Brownwood, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Shirley. Shirley was able to find a fast loan for $66000 from First RepublicBank Clifton and Texas Commerce Bank – Rio Grande Valley, National Association, but turned down both offers in favor of their student loan from First RepublicBank Brownwood, National Association. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement in the case that a borrower is in a time sensitive situation.
Shirley was declined by MBank Greenville, National Association 4 times before being approved by First RepublicBank Brownwood, National Association at 111 Center Avenue
On July 17, 2010, Shirley applied about borrowing $17,000 from Brownfield State Bank & Trust Co. with Magnolia, their in law from just outside Brownwood, and even with the co-signer, Shirley was rejected for this student loan. With excellent credit, it can be a challenge to obtain financing, even with collateral and a co-signer.
Installment loan for Shirley, a graduate of Pentecostal Theological Seminary and a laboratory tester working for over $76,000 per year
Shirley, an alumnus at Pentecostal Theological Seminary and a laboratory tester in Brownwood, Texas wants a student loan to purchase a house. Shirley has instead decided to obtain an installment loan for $3,000 and is currently seeking lenders like The Bank and Trust, S.S.B. to provide it.
Previous requests on Shirley’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$78280.00||9||6.1%||$943.69||Comerica Bank||December 16, 2010|
|$78410.00||3||10.2%||$2537.44||First Star Bank, S.S.B.||March 5, 2014|
|$78170.00||9||9.6%||$1083.67||Brownfield State Bank & Trust Co.||March 31, 2015|
|$78390.00||5||11.7%||$1731.88||First Bank & Trust, Bryan, Texas||April 1, 2015|
|$77640.00||7||10.7%||$1317.17||First Bank & Trust of Clarendon||May 20, 2015|
Shirley’s Transunion score was altered by the student loan loan, changing to 722 from 739, which is typical in our experience.
9 Months Ago, Shirley Tried Finding a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting
It is an well known struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Shirley. Shirley decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Borrowers with credit ratings as low as 510 can inquire for a high risk loan and have a chance to be approved.
Shirley’s Overall FICO score at the time of acceptance for a student loan, taking into account their laboratory tester job and their future job as a sales representative
Shirley has a low current total income, but has a large amount of prospects
Shirley has always wanted to be a sales representative, but would need attend Pentecostal Theological Seminary again to achieve it. Shirley has other prospects as well, including forensics psychologist, historical archivist, and electrical and electronic inspector, which pay $56,000 through to $106,000 per year, at least. For this reason, we believe that Shirley can pay for this student loan of $66000.
Conclusion of Shirley’s student loan
In the end, Shirley was able to find a student loan for $66000 with an interest rate of 6.8% interest APR from First RepublicBank Brownwood, National Association in Brownwood, Texas repayable over 1 years from today.