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Student Loan For $160000 Near 37861, Tennessee With A Credit Score Of 370

$160000 Student Loan – Rutledge Tennessee, Credit Score Of 370

  • Experian: 381 – The client had a terrible Experian score
  • Transunion: 355 – Terrell had a terrible credit score with Transunion.
  • Equifax: Terrell’s Experian score was 370, which is a terrible credit score using the Experian scale.

Paraphrased and Standardized Quote from Terrell for this student loan of $160000, provided by Citizens Bank and Trust Company of Grainger County

Hello, I am Terrell and my hometown is Rutledge in Tennessee. Grainger, county is where I grew up, and now I need a student loan in Tennessee for $160000 to buy a car. It has been difficult, but Citizens Bank and Trust Company of Grainger County really came through for me with this loan for 6.2% interest APR and a term of 13 years. I will repay the loan over the 13 year term, including interest. A big thanks to Citizens Bank and Trust Company of Grainger County for giving me a chance and my terrible credit. It look me 8 years to create my credit to 370, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

Terrell has a sad current yearly income, but has a large amount of prospects

Terrell has always wanted to be a radio & tv producer, but would need attend Indiana Wesleyan University again to become one. Terrell has other prospects as well, including screen writer, marine cargo surveyor, and english language and literature professor, which pay $54,000 through to $98,000 per year, on average. Because of this, we believe that Terrell can afford this student loan of $160000.

Fast Loans for Terrell in Rutledge, Tennessee to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Rutledge, Tennessee aren’t actually that difficult to obtain, especially if you have some finesse like Terrell. Terrell was able to find a fast loan for $160000 from Citizens Bank and Bank of Belfast, but declined both offers in favor of their student loan from Citizens Bank and Trust Company of Grainger County. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. An improvement in the case that a borrower is on the go.

Multiple past requests for credit have been made by Terrell in the past, including one from Reliant Bank in Rutledge, Tennessee before Terrell was approved for the $160000 by Citizens Bank and Trust Company of Grainger County

Terrell made 7 previous attempts to obtain a student loan, 2 of which were with Reliant Bank, a lender in Rutledge, Tennessee known to specialize in student loans specifically. Before finding Citizens Bank and Trust Company of Grainger County, Terrell was concerned due to their inexperience and terrible credit rating.

Before applying for this student loan, Terrell had an Experian score of 381, which is terrible, so Citizens Bank and Trust Company of Grainger County likely cannot provide Terrell a student loan

Experian Score: 381

Contact Details for Citizens Bank and Trust Company of Grainger County, the provider of this student loan

  • Citizens Bank and Trust Company of Grainger County
  • City: Rutledge
  • State: Tennessee
  • Address: 8335 Rutledge Pike
  • County: Grainger
  • Zip code: 37861

Installment loan for Terrell, a graduate of Indiana Wesleyan University and a geography professor working for over $65,000 per year

Terrell, an alumnus at Indiana Wesleyan University and a geography professor in Rutledge, Tennessee wants a student loan to purchase something frivolous. Terrell has instead decided to get an installment loan for $2,000 and is currently seeking lenders like Cleveland Bank and Trust Company to process their request.

Terrell was not approved by Bank of Frankewing 5 times before being approved by Citizens Bank and Trust Company of Grainger County at 8335 Rutledge Pike

On October 17, 2010, Terrell inquired about borrowing $10,000 from First Volunteer Bank of East Tennessee with Lessie, their friend from just outside Rutledge, and even with the co-signer, Terrell was rejected for this student loan. With terrible credit, it can be difficult to procure financing, even with collateral and a co-signer.

Signature Loan easily acquired in Rutledge, Tennessee for $160000 with terrible credit by Terrell

A lot of borrowers struggle with finding signature loans in Rutledge, Tennessee, and Terrell is no exception. Terrell went to 4 lenders or more prior to finding Citizens Bank and Trust Company of Grainger County, who offered Terrell a signature loan for $160000. Most signature loans simply need a client, like Terrell’s signature to obtain them, up to $32,000 in some cases. Terrell was able to get $160000 as a student loan, which is very high for a student loan. Because signature loans do not require a cosigner, they tend to need better credit, as high as 744

Personal Loan for a geography professor named Terrell in Rutledge, Tennessee to Pay Off Corgi Rescue Visa Card

Terrell had a lot of credit card debt on their Hawaiian Airlines World Elite MasterCard and their Wells Fargo Advisors Premium Rewards Visa Signature Card, and they were starting to get in over their heads. Despite Terrell’s job as a geography professor, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $27,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Terrell required a debt consolidation loan to pay for their existing student loan and their loan shark loan. Terrell was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.6%.

6 Months in the Past, Terrell Tried to Find a High Risk Loan for $44,000.00, and it was Easy

It is an existing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Terrell. Terrell chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit applicants. Borrowers with credit ratings as low as 452 can inquire for a high risk loan and have a chance to be approved.

Previous requests on Terrell’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$84450.00 7 10.5% $1423.88 Citizens Bank August 26, 2011
$84420.00 5 8.7% $1740.15 SunTrust Bank, Chattanooga, National Association October 24, 2011
$83550.00 3 9.6% $2680.26 GreenBank May 31, 2013
$84290.00 5 7.7% $1697.02 CommunityFIRST Bank December 7, 2013
$84350.00 11 11.6% $1133.84 Bank of Belfast February 18, 2015

When Terrell was 22, they attempted to obtain a student loan from 7 different banks, which damaged their credit score. Below is a list of Terrell’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on May 14, 2010
  • Attempt 2) Loan for $34,000.00 on September 10, 2011
  • Attempt 3) Loan for $23,000.00 on July 27, 2013
  • Attempt 4) Loan for $33,000.00 on December 29, 2013
  • Attempt 5) Loan for $23,000.00 on July 6, 2009
  • Attempt 6) Loan for $23,000.00 on March 18, 2013
  • Attempt 7) Loan for $37,000.00 on October 30, 2008
Client Profile: Terrell Birchall of Rutledge, Tennessee
  • Full name (Changed if requested): Terrell Birchall
  • Current Credit: loans.hit.utils.Fico@4fca772d
  • Current City: Rutledge
  • State: Tennessee
  • Zip code: 37862
  • Yearly income: $49,000
  • Current Job: geography professor
  • Current County: Grainger
  • Goal Yearly Income: $114,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Terrell’s Transunion score was changed by the student loan loan, changing to 355 from 370, which is normal in our experience.

Transunion Score: 355

Terrell’s Overall FICO score at the time of acceptance for a student loan, taking into account their geography professor job and their future career as a radio & tv producer

Fico Score: 370

Conclusion of Terrell’s student loan

In the end, Terrell was able to find a student loan for $160000 with an interest rate of 5.4% interest APR from Citizens Bank and Trust Company of Grainger County in Rutledge, Tennessee repayable over 13 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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