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Student Loan With Reasonable APR In Bergen County, New Jersey

$24000 Student Loan – Paramus New Jersey, Credit Score Of 773

  • Experian: 792 – This client had an excellent Experian score
  • Transunion: 758 – Halley had an excellent credit score with Transunion.
  • Equifax: Halley’s Experian score was 773, which is an excellent credit rating with the Experian system.

Before applying for this student loan, Halley had an Experian score of 792, which is excellent, so Hudson City Savings Bank likely can provide Halley a student loan

Experian Score: 792

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $31,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Halley needed a debt consolidation loan to pay for their existing student loan and their loan shark loan. Halley was able to find a student loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.4%.

Client Profile: Halley Tayor of Paramus, New Jersey
  • Full name (Changed if requested): Halley Tayor
  • Current Credit: loans.hit.utils.Fico@1e80bfe8
  • Current City: Paramus
  • State: New Jersey
  • Zip code: 7660
  • Yearly income: $53,000
  • Current Job: massage therapist
  • Current County: Bergen
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Contact Details for Hudson City Savings Bank, the provider of this student loan

  • Hudson City Savings Bank
  • City: Paramus
  • State: New Jersey
  • Address: West 80 Century Road
  • County: Bergen
  • Zip code: 7652

When Halley was 20, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit score. Below is a list of Halley’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on September 4, 2012
  • Attempt 2) Loan for $20,000.00 on June 27, 2011
  • Attempt 3) Loan for $28,000.00 on February 23, 2010
  • Attempt 4) Loan for $22,000.00 on December 23, 2012
  • Attempt 5) Loan for $26,000.00 on July 2, 2009
  • Attempt 6) Loan for $20,000.00 on June 19, 2012
  • Attempt 7) Loan for $31,000.00 on November 5, 2009

Halley’s Overall FICO score at the time of acceptance for a student loan, taking into account their massage therapist job and their future job as an air crew officer

Fico Score: 773

Installment loan for Halley, a graduate of Living Arts College@School of Communication Arts and a massage therapist working for over $76,000 per year

Halley, an alumnus at Living Arts College@School of Communication Arts and a massage therapist in Paramus, New Jersey wants a student loan to purchase something frivolous. Halley has instead chosen to obtain an installment loan for $13,000 and is currently seeking lenders like Carteret Bank and Trust Company to provide it.

Halley has a low current yearly income, but has a high number of prospects

Halley has always wanted to be an air crew officer, but would need attend Living Arts College@School of Communication Arts again to become one. Halley has other prospects as well, including airline flight attendant, telecommunications technician, and airport administrator, which pay $57,000 through to $101,000 per year, on average. Because of this, we believe that Halley can pay for this student loan of $24000.

6 Months in the Past, Halley Attempted Finding a High Risk Loan for $32,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Halley. Halley chose not to get a high risk loan this time. High Risk loans are given to very low credit applicants. Individuals with credit ratings as low as 542 can inquire for a high risk loan and possibly can be accepted.

Previous requests on Halley’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$146850.00 3 10.7% $4786.84 The State Bank of North Jersey February 9, 2009
$146540.00 11 6.5% $1556.81 Carteret Bank and Trust Company July 30, 2011
$147100.00 5 9.1% $3060.7 United Jersey Bank/Northwest April 16, 2013
$146680.00 4 9.4% $3678.06 People’s Trust Company December 26, 2014

Paraphrased and Standardized Quote from Halley for this student loan of $24000, provided by Hudson City Savings Bank

Hello, I am Halley and I am from Paramus in New Jersey. Bergen, county is where I grew up, and now I need a student loan in New Jersey for $24000 to buy a big ticket item. It wasn’t easy, but Hudson City Savings Bank really came through for me with this loan for 8.1% interest APR and a term of 11 years. I can probably repay the loan over the 11 year term, including interest. A big thanks to Hudson City Savings Bank for giving me a chance and my excellent credit. It look me 4 years to create my credit to 773, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

Halley was not approved by United Jersey Bank 5 times before being accepted by Hudson City Savings Bank at West 80 Century Road

On June 2, 2009, Halley applied about borrowing $39,000 from The State Bank of North Jersey with Terra, their in law from just outside Paramus, and even with the co-signer, Halley was rejected for this student loan. With excellent credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Fast Loans for Halley in Paramus, New Jersey to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Paramus, New Jersey aren’t actually that difficult to obtain, especially if you have some gumption like Halley. Halley was able to find a fast loan for $24000 from United Counties Trust Company and The First National Bank of Belvidere, but declined both offers in favor of their student loan from Hudson City Savings Bank. The improvement 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 difference in the case that a client is on the go.

Halley’s Transunion score was altered by the student loan loan, changing to 758 from 773, which is normal in our experience.

Transunion Score: 758

Personal Loan for a massage therapist named Halley in Paramus, New Jersey to Pay Off Sam Houston State University Platinum Visa Credit Card

Halley had a tonne of credit card debt on their NFL Extra Points and their Plum Card, and they were starting to get in over their heads. Despite Halley’s job as a massage therapist, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Several previous requests for credit have been made by Halley in the past, including one from Valley Federal Savings and Loan Association in Paramus, New Jersey before Halley was accepted for the $24000 by Hudson City Savings Bank

Halley made 6 previous tries to obtain a student loan, 2 of which were with Valley Federal Savings and Loan Association, a lending institution in Paramus, New Jersey known to specialize in student loans specifically. Prior to finding Hudson City Savings Bank, Halley was concerned due to their inexperience and excellent credit rating.

Signature Loan acquired in Paramus, New Jersey for $24000 with excellent credit by Halley

Most clients have difficulty with obtaining signature loans in Paramus, New Jersey, and Halley is no exception. Halley went to 6 lending institutions or more before settling on Hudson City Savings Bank, who offered Halley a signature loan for $24000. Most signature loans simply need a client, like Halley’s signature to obtain them, up to $32,000 in some cases. Halley was able to get $24000 as a student loan, which is very high for a student loan. Because signature loans don’t need collateral, these loans generally need improved credit, as high as 794

Conclusion of Halley’s student loan

In the end, Halley was able to find a student loan for $24000 with an interest rate of 8.6% interest APR from Hudson City Savings Bank in Paramus, New Jersey repayable over 11 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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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.