Student Loan With Very Low APR In Ottawa County, Kansas

$64000 Student Loan – Tescott Kansas, Credit Score Of 687

Experian: 701 – This individual had a good Experian score
Transunion: 674 – Rosalba had a good credit score with Transunion.
Equifax: Rosalba’s Experian score was 687, which is a good credit rating using the Experian system.

Rosalba’s Transunion score was altered by the student loan loan, changing to 674 from 687, which is typical in our experience.

Transunion Score: 674

Signature Loan found in Tescott, Kansas for $64000 with good credit by Rosalba

Many prospective borrowers have difficulty with obtaining signature loans in Tescott, Kansas, and Rosalba is not an exception. Rosalba went to 4 lending institutions or more before settling on The Bank of Tescott, who offered Rosalba a signature loan for $64000. Typical signature loans simply need a client, like Rosalba’s signature to obtain them, up to $28,000 in some cases. Rosalba was able to get $64000 as a student loan, which is very high for a student loan. Because signature loans do not need a cosigner, these loans generally require improved credit, as high as 722

Before applying for this student loan, Rosalba had an Experian score of 701, which is good, so The Bank of Tescott likely cannot provide Rosalba a student loan

Experian Score: 701

9 Months in the Past, Rosalba Tried to Find a High Risk Loan for $25,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Rosalba. Rosalba chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Individuals with credit scores as low as 519 can inquire for a high risk loan and may be be accepted.

Fast Loans for Rosalba in Tescott, Kansas to prevent bankruptcy or harm from debt collectors.

Fast loans in Tescott, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Rosalba. Rosalba was able to find a fast loan for $64000 from The Victory State Bank and The Union State Bank, but declined both offers in favor of their student loan from The Bank of Tescott. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. An improvement if a client is in a pinch.

Many past requests for credit have been made by Rosalba in the past, including one from Peoples Security Bank in Tescott, Kansas before Rosalba was accepted for the $64000 by The Bank of Tescott

Rosalba made 5 prior attempts to obtain a student loan, 2 of which were with Peoples Security Bank, a lender in Tescott, Kansas known to specialize in student loans specifically. Before finding The Bank of Tescott, Rosalba was concerned due to their inexperience and good credit score.

Paraphrased and Standardized Quote from Rosalba for this student loan of $64000, provided by The Bank of Tescott

Hi, I am Rosalba and I am from Tescott in Kansas. Ottawa, county is where I grew up, and now I need a student loan in Kansas for $64000 to avoid bankruptcy. It has been difficult, but The Bank of Tescott really came through for me with this loan for 8.0% interest APR and a term of 23 years. I can probably repay the loan over the 23 year term, including interest. A big thanks to The Bank of Tescott for giving me a chance and my good credit. It look me 9 years to create my credit to 687, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Previous requests on Rosalba’s credit

Principle in USD	Term Length in Years	Annual Percentage Rate	Monthly Payment	Lender’s Branch Name	Date of Request
$38370.00	6	11.2%	$734.27	Citizens Bank and Trust Company	February 11, 2014
$38390.00	5	5.6%	$735.07	The Morrill and Janes Bank and Trust Company	October 8, 2014
$38400.00	4	6.4%	$908.88	The Citizens State Bank, Liberal, Kansas	May 21, 2015
$37790.00	10	10.8%	$516.29	Citizens State Bank	June 2, 2015

Contact Details for The Bank of Tescott, the provider of this student loan

The Bank of Tescott
City: Tescott
State: Kansas
Address: 104 S Main St
County: Ottawa
Zip code: 67484

Personal Loan for a warehouse stock clerk named Rosalba in Tescott, Kansas to Pay Off New York Community Bank Platinum Edition Visa Card

Rosalba had a tonne of credit card debt on their Astoria Bank Maximum Rewards Visa Card and their Arhaus Credit Card, and they were starting to get in over their heads. Despite Rosalba’s job as a warehouse stock clerk, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Rosalba’s Overall FICO score at the time of acceptance for a student loan, taking into account their warehouse stock clerk job and their future job as a mill worker

Fico Score: 687

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $30,000.00 to $49,000.00. They are mainly used to pay off existing high interest loans like credit cards. Rosalba needed a debt consolidation loan to pay for their existing student loan and their loan shark loan. Rosalba was able to find a student loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.7%.

Client Profile: Rosalba Prattella of Tescott, Kansas

Full name (Changed if requested): Rosalba Prattella
Current Credit: loans.hit.utils.Fico@7c3df479
Current City: Tescott
State: Kansas
Zip code: 67486
Yearly income: $33,000
Current Job: warehouse stock clerk
Current County: Ottawa
Goal Yearly Income: $140,000
Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Rosalba was not approved by Peoples Bank and Trust Company 5 times before being accepted by The Bank of Tescott at 104 S Main St

On November 9, 2008, Rosalba inquired about borrowing $31,000 from The Farmers State Bank of Oakley, Kansas with Leida, their in law from just outside Tescott, and even with the co-signer, Rosalba was rejected for this student loan. With good credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Rosalba has a low current yearly income, but has a large amount of prospects

Rosalba has always wanted to be a mill worker, but would have to attend Summit Salon Academy – Gainesville again to become one. Rosalba has other prospects as well, including logging tractor operator, platemakers, and orthodontic laboratory technician, which pay $57,000 through to $107,000 per year, on average. For this reason, we think that Rosalba can pay for this student loan of $64000.

When Rosalba was 18, they attempted to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a list of Rosalba’s previous attempts at finding a student loan:

Attempt 1) Loan for $23,000.00 on March 8, 2011
Attempt 2) Loan for $34,000.00 on September 11, 2012
Attempt 3) Loan for $20,000.00 on August 6, 2013
Attempt 4) Loan for $29,000.00 on March 9, 2014

Installment loan for Rosalba, a graduate of Summit Salon Academy – Gainesville and a warehouse stock clerk working for over $61,000 per year

Rosalba, an alumnus at Summit Salon Academy – Gainesville and a warehouse stock clerk in Tescott, Kansas wants a student loan to purchase a new cell phone. Rosalba has instead decided to get an installment loan for $25,000 and is at present seeking lenders like The Home State Bank of Kansas City, Kansas to provide it.

Conclusion of Rosalba’s student loan

In the end, Rosalba was able to find a student loan for $64000 with an interest rate of 9.3% interest APR from The Bank of Tescott in Tescott, Kansas repayable over 23 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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