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Student Loan Of $176000 For Terrible Credit Minnesota Resident

$176000 Student Loan – Austin Minnesota, Credit Rating Of 344

  • Experian: 357 – This individual had a terrible Experian rating
  • Transunion: 326 – Kiersten had a terrible credit score with Transunion.
  • Equifax: Kiersten’s Experian score was 344, which is a terrible credit score using the Experian system.

Before applying for this student loan, Kiersten had an Experian score of 357, which is terrible, so First Fidelity Savings and Loan Association, FA probably cannot provide Kiersten a student loan

Experian Score: 357

Contact Details for First Fidelity Savings and Loan Association, FA, the provider of this student loan

  • First Fidelity Savings and Loan Association, FA
  • City: Austin
  • State: Minnesota
  • Address: 128 North Main St
  • County: Mower
  • Zip code: 55912

Kiersten has a very low current gross income, but has a large amount of prospects

Kiersten has always wanted to be an artists agent, but would have to attend York Technical Institute again to become one. Kiersten has other prospects as well, including ship master, occupational analyst, and mechanical engineer, which pay $59,000 through to $98,000 per year, on average. Because of this, we believe that Kiersten can afford this student loan of $176000.

Fast Loans for Kiersten in Austin, Minnesota to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Austin, Minnesota aren’t actually that difficult to obtain, particularly if you have some gumption like Kiersten. Kiersten was able to find a fast loan for $176000 from Forest Lake State Bank and Citizens State Bank of Green Isle, but turned down both offers in favor of their student loan from First Fidelity Savings and Loan Association, FA. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement in the case that a client is in a time sensitive situation.

Kiersten’s Transunion score was changed by the student loan loan, changing to 326 from 344, which is typical in our experience.

Transunion Score: 326

Kiersten’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 an artists agent

Fico Score: 344

Client Profile: Kiersten Cherubini of Austin, Minnesota
  • Full name (Changed if requested): Kiersten Cherubini
  • Current Credit: loans.hit.utils.Fico@6267c3bb
  • Current City: Austin
  • State: Minnesota
  • Zip code: 55921
  • Yearly income: $45,000
  • Current Job: sales representative
  • Current County: Mower
  • Goal Yearly Income: $118,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

8 Months Ago, Kiersten Attempted Finding a High Risk Loan for $22,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Kiersten. Kiersten chose not to obtain a high risk loan this time. High Risk loans are given to very low credit individuals. Clients with credit scores as low as 317 can apply for a high risk loan and may be be accepted.

Kiersten was not approved by American Bank Mankato 6 times before being accepted by First Fidelity Savings and Loan Association, FA at 128 North Main St

On August 7, 2011, Kiersten applied about borrowing $17,000 from Citizens Alliance Bank with Roscoe, their friend from just outside Austin, and even with the co-signer, Kiersten was rejected for this student loan. With terrible credit, it can be difficult to procure funding, even with collateral and a co-signer.

Signature Loan found in Austin, Minnesota for $176000 with terrible credit by Kiersten

Most clients struggle with obtaining signature loans in Austin, Minnesota, and Kiersten is no different. Kiersten went to 7 lenders or more before finding First Fidelity Savings and Loan Association, FA, who offered Kiersten a signature loan for $176000. Most signature loans simply require a client, like Kiersten’s signature to obtain them, up to $30,000 in some cases. Kiersten was able to get $176000 as a student loan, which is very high for a student loan. Because signature loans don’t need collateral, they tend to require better credit, as high as 744

When Kiersten was 20, they attempted to obtain a student loan from 4 alternate lenders, which damaged their credit score. Below is a chronology of Kiersten’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on July 30, 2012
  • Attempt 2) Loan for $32,000.00 on February 8, 2009
  • Attempt 3) Loan for $30,000.00 on February 6, 2010
  • Attempt 4) Loan for $38,000.00 on July 17, 2010

Personal Loan for a sales representative named Kiersten in Austin, Minnesota to Pay Off OneWest Bank Lakers Credit Card

Kiersten had a tonne of credit card debt on their IMA Business MasterCard with WorldPoints Rewards and their ABNB Federal Credit Union Visa Platinum Reward, and they were starting to get in over their heads. Despite Kiersten’s job as a sales representative, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Multiple previous requests for credit have been made by Kiersten in the past, including one from The Bank of North Arkansas in Austin, Minnesota before Kiersten was approved for the $176000 by First Fidelity Savings and Loan Association, FA

Kiersten made 7 previous tries to obtain a student loan, 2 of which were with The Bank of North Arkansas, a lender in Austin, Minnesota known to specialize in student loans specifically. Before finding First Fidelity Savings and Loan Association, FA, Kiersten was desperate due to their inexperience and terrible credit rating.

Previous requests on Kiersten’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$35870.00 5 10.7% $774.54 Marquette Bank Cannon Falls March 26, 2009
$35560.00 10 11.8% $506.08 Root River State Bank September 1, 2010
$35900.00 3 9.5% $1149.98 Clinton State Bank November 17, 2012
$35620.00 10 11.2% $494.71 Peoples State Bank of Plainview June 2, 2014
$35570.00 3 6.8% $1095.05 Security State Bank of Wykoff June 22, 2014

Installment loan for Kiersten, a graduate of York Technical Institute and a sales representative working for over $60,000 per year

Kiersten, an alumnus at York Technical Institute and a sales representative in Austin, Minnesota needs a student loan to purchase a new cell phone. Kiersten has instead chosen to get an installment loan for $23,000 and is currently seeking lenders like O’Connor Bros. State Bank of Renville to provide it.

Paraphrased and Standardized Quote from Kiersten for this student loan of $176000, provided by First Fidelity Savings and Loan Association, FA

Hello, I am Kiersten and my hometown is Austin in Minnesota. Mower, county is where I grew up, and now I need a student loan in Minnesota for $176000 to renovate my home. It wasn’t easy, but First Fidelity Savings and Loan Association, FA really came through for me with this loan for 6.7% interest APR and a term of 14 years. I can repay the loan over the 14 year term, including interest. A big thanks to First Fidelity Savings and Loan Association, FA for trusting me and my terrible credit. It look me 5 years to build my credit to 344, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans vary from $27,000.00 to $51,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kiersten needed a debt consolidation loan to pay for their existing student loan and their credit card. Kiersten was able to find a student loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.5%.

Conclusion of Kiersten’s student loan

In the end, Kiersten was able to find a student loan for $176000 with an interest rate of 9.7% interest APR from First Fidelity Savings and Loan Association, FA in Austin, Minnesota repayable over 14 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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