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Student Loan For $1215000 Near 77008, Texas With A Credit Score Of 405

$1215000 Student Loan – Houston Texas, Credit Rating Of 405

  • Experian: 418 – They had a bad Experian rating
  • Transunion: 387 – Stephania had a bad credit rating with Transunion.
  • Equifax: Stephania’s Experian score was 405, which is a bad credit rating using the Experian system.

Contact Details for Heights Savings Association, A FSA, the provider of this student loan

  • Heights Savings Association, A FSA
  • City: Houston
  • State: Texas
  • Address: 204 West Nineteenth
  • County: Harris
  • Zip code: 77008

Before applying for this student loan, Stephania had an Experian score of 418, which is bad, so Heights Savings Association, A FSA probably cannot provide Stephania a student loan

Experian Score: 418

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $34,000.00 to $56,000.00. They are normally used to pay off existing high interest loans like credit cards. Stephania needed a debt consolidation loan to pay for their existing student loan and their payday loan. Stephania was able to find a student loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.0%.

Personal Loan for an avionics technician named Stephania in Houston, Texas to Pay Off The Bank Visa Signature Relationship Rewards

Stephania had a lot of credit card debt on their Steuben Trust Visa Business Bonus Rewards Card and their Toronto Blue Jays BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Stephania’s job as an avionics technician, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Stephania Wide of Houston, Texas
  • Full name (Changed if requested): Stephania Wide
  • Current Credit: loans.hit.utils.Fico@1218025c
  • Current City: Houston
  • State: Texas
  • Zip code: 77010
  • Yearly income: $38,000
  • Current Job: avionics technician
  • Current County: Harris
  • Goal Yearly Income: $134,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Signature Loan acquired in Houston, Texas for $1215000 with bad credit by Stephania

A lot of borrowers struggle with finding signature loans in Houston, Texas, and Stephania is no different. Stephania went to 5 lenders or more prior to finding Heights Savings Association, A FSA, who offered Stephania a signature loan for $1215000. Most signature loans simply need a client, like Stephania’s signature to obtain them, up to $37,000 in some cases. Stephania was able to get $1215000 as a student loan, which is very high for a student loan. Because signature loans don’t need a cosigner, they generally require better credit, as high as 738

Many past requests for credit have been made by Stephania in the past, including one from Bridgeview Bank Group in Houston, Texas before Stephania was approved for the $1215000 by Heights Savings Association, A FSA

Stephania made 7 previous tries to obtain a student loan, 2 of which were with Bridgeview Bank Group, a bank in Houston, Texas known to specialize in student loans specifically. Prior to finding Heights Savings Association, A FSA, Stephania was desperate due to their inexperience and bad credit rating.

Previous requests on Stephania’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$118590.00 9 9.2% $1618.65 Comerica Bank December 3, 2013
$118850.00 4 8.6% $2935.07 First Star Bank, S.S.B. March 10, 2015
$118850.00 4 11.7% $3112.3 Brownfield State Bank & Trust Co. June 15, 2015
$119190.00 8 6.6% $1601.38 First Bank & Trust, Bryan, Texas August 16, 2015
$119200.00 4 10.2% $3034.68 First Bank & Trust of Clarendon August 28, 2015

Fast Loans for Stephania in Houston, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Houston, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Stephania. Stephania was able to find a fast loan for $1215000 from First State Bank of Mathis and The Bank and Trust, S.S.B., but turned down both offers in favor of their student loan from Heights Savings Association, A FSA. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. An improvement in the case that you are in a time sensitive situation.

Stephania’s Overall FICO score at the time of acceptance for a student loan, taking into account their avionics technician job and their future career as a law professor

Fico Score: 405

Installment loan for Stephania, a graduate of Kapiolani Community College/University of HI Community Colleges and an avionics technician working for over $74,000 per year

Stephania, an alumnus at Kapiolani Community College/University of HI Community Colleges and an avionics technician in Houston, Texas needs a student loan to purchase something frivolous. Stephania has instead decided to get an installment loan for $14,000 and is at present seeking lenders like Farmers State Bank of Shiro, Texas to provide it.

Stephania was not approved by First RepublicBank Clifton 7 times prior to being approved by Heights Savings Association, A FSA at 204 West Nineteenth

On January 23, 2013, Stephania applied about borrowing $45,000 from First Community Bank San Antonio, National Association with Harriett, their in law from just outside Houston, and even with the co-signer, Stephania was rejected for this student loan. With bad credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Stephania for this student loan of $1215000, provided by Heights Savings Association, A FSA

Hello, I am Stephania and my hometown is Houston in Texas. Harris, county is where I grew up, and now I need a student loan in Texas for $1215000 to buy a car. It wasn’t easy, but Heights Savings Association, A FSA really came through for me with this loan for 7.0% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to Heights Savings Association, A FSA for giving me a chance and my bad credit. It look me 7 years to create my credit to 405, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

When Stephania was 20, they tried to obtain a student loan from 5 alternate banks, which damaged their credit rating. Below is a chronology of Stephania’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on September 30, 2010
  • Attempt 2) Loan for $27,000.00 on March 30, 2009
  • Attempt 3) Loan for $27,000.00 on May 26, 2009
  • Attempt 4) Loan for $39,000.00 on April 22, 2013
  • Attempt 5) Loan for $20,000.00 on May 18, 2009

Stephania has a sad current yearly income, but has a high number of prospects

Stephania has always wanted to be a law professor, but would need attend Kapiolani Community College/University of HI Community Colleges again to become one. Stephania has other possibilities as well, including area, structural drafter, and tax examiner, which pay $57,000 through to $104,000 per year, on average. Because of this, we think that Stephania can pay for this student loan of $1215000.

8 Months Ago, Stephania Attempted Finding a High Risk Loan for $43,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Stephania. Stephania decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Individuals with credit scores as low as 500 can apply for a high risk loan and may be be approved.

Stephania’s Transunion score was altered by the student loan loan, changing to 387 from 405, which is typical in our experience.

Transunion Score: 387

Conclusion of Stephania’s student loan

In the end, Stephania was able to find a student loan for $1215000 with an interest rate of 6.0% interest APR from Heights Savings Association, A FSA in Houston, Texas repayable over 12 years from today.

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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