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$144000 Student Loan With Fair Credit In Gainesville Georgia

$144000 Student Loan – Gainesville Georgia, Credit Score Of 596

  • Experian: 611 – This client had a fair Experian score
  • Transunion: 582 – Wendy had a fair credit score with Transunion.
  • Equifax: Wendy’s Experian score was 596, which is a fair credit rating with the Experian scale.

Several other requests for credit have been made by Wendy in the past, including one from The National Bank of Georgia in Gainesville, Georgia before Wendy was approved for the $144000 by Regions Bank

Wendy made 4 previous tries to obtain a student loan, 2 of which were with The National Bank of Georgia, a bank in Gainesville, Georgia known to specialize in student loans specifically. Before finding Regions Bank, Wendy was concerned due to their inexperience and fair credit score.

Wendy’s Transunion score was altered by the student loan loan, changing to 582 from 596, which is typical in our experience.

Transunion Score: 582

Wendy has a disappointing current total income, but has a large amount of prospects

Wendy has always wanted to be a standards engineer, but would need attend University of North Carolina at Chapel Hill again to achieve it. Wendy has other prospects as well, including food technologist, insurance appraiser, and computer aided design technician, which pay $56,000 through to $104,000 per year, on average. For this reason, we believe that Wendy can pay for this student loan of $144000.

When Wendy was 18, they tried to obtain a student loan from 7 alternate lenders, which harmed their credit rating. Below is a chronology of Wendy’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on December 28, 2012
  • Attempt 2) Loan for $27,000.00 on September 1, 2010
  • Attempt 3) Loan for $25,000.00 on February 9, 2009
  • Attempt 4) Loan for $37,000.00 on December 27, 2012
  • Attempt 5) Loan for $21,000.00 on September 11, 2009
  • Attempt 6) Loan for $31,000.00 on October 12, 2008
  • Attempt 7) Loan for $29,000.00 on January 23, 2011

Contact Details for Regions Bank, the provider of this student loan

  • Regions Bank
  • City: Gainesville
  • State: Georgia
  • Address: 111 Green Street, S.E.
  • County: Hall
  • Zip code: 30501

Installment loan for Wendy, a graduate of University of North Carolina at Chapel Hill and an athletic director working for over $61,000 per year

Wendy, an alumnus at University of North Carolina at Chapel Hill and an athletic director in Gainesville, Georgia wants a student loan to purchase a house. Wendy has instead chosen to obtain an installment loan for $25,000 and is at present seeking lenders like Habersham Bank to process their request.

Client Profile: Wendy Radle of Gainesville, Georgia
  • Full name (Changed if requested): Wendy Radle
  • Current Credit: loans.hit.utils.Fico@31b7dea0
  • Current City: Gainesville
  • State: Georgia
  • Zip code: 30507
  • Yearly income: $69,000
  • Current Job: athletic director
  • Current County: Hall
  • Goal Yearly Income: $95,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Personal Loan for an athletic director named Wendy in Gainesville, Georgia to Pay Off Fred Meyers Rewards MasterCard

Wendy had a lot of credit card debt on their Steuben Trust Visa Business Card and their Avenue Credit Card, and they were starting to get in over their heads. Despite Wendy’s job as an athletic director, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Wendy’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$32230.00 11 11.3% $427.58 NationsBank of Florida, National Association January 23, 2010
$32470.00 4 6.5% $770.02 Century Bank and Trust June 15, 2012
$32330.00 7 11.1% $555.27 Bank of Madison November 8, 2013
$31740.00 8 9.7% $476.6 Bank of Hazlehurst August 10, 2014

9 Months Ago, Wendy Attempted Finding a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Wendy. Wendy chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Individuals with credit scores as low as 599 can apply for a high risk loan and may be be accepted.

Wendy was declined by The Citizens and Southern Bank of Colquitt County 4 times before being accepted by Regions Bank at 111 Green Street, S.E.

On August 29, 2012, Wendy applied about borrowing $16,000 from Roswell Bank with Khalilah, their in law from just outside Gainesville, and even with the co-signer, Wendy was rejected for this student loan. With fair credit, it can be difficult to procure funding, even with collateral and a co-signer.

Before applying for this student loan, Wendy had an Experian score of 611, which is fair, so Regions Bank likely can provide Wendy a student loan

Experian Score: 611

Signature Loan acquired in Gainesville, Georgia for $144000 with fair credit by Wendy

Many borrowers struggle with finding signature loans in Gainesville, Georgia, and Wendy is not an exception. Wendy went to 5 lending institutions or more before settling on Regions Bank, who offered Wendy a signature loan for $144000. Most signature loans simply need a client, like Wendy’s signature to get them, up to $43,000 in some cases. Wendy was able to get $144000 as a student loan, which is very high for a student loan. Since signature loans don’t require a cosigner, they generally require higher credit, as high as 732

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $33,000.00 to $42,000.00. They are typically used to pay off existing high interest loans like credit cards. Wendy required a debt consolidation loan to pay for their existing student loan and their loan shark loan. Wendy was able to find a student loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.2%.

Wendy’s Overall FICO score at the time of acceptance for a student loan, taking into account their athletic director job and their future job as a standards engineer

Fico Score: 596

Fast Loans for Wendy in Gainesville, Georgia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Gainesville, Georgia aren’t actually that difficult to obtain, especially if you have some finesse like Wendy. Wendy was able to find a fast loan for $144000 from First National Bank of Griffin and Bank of Alapaha, but turned down both offers in favor of their student loan from Regions Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if a client is in a time sensitive situation.

Paraphrased and Standardized Quote from Wendy for this student loan of $144000, provided by Regions Bank

Hi, I am Wendy and I am from Gainesville in Georgia. Hall, county is where I grew up, and now I need a student loan in Georgia for $144000 to avoid bankruptcy. It wasn’t easy, but Regions Bank really came through for me with this loan for 11.6% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to Regions Bank for giving me a chance and my fair credit. It look me 5 years to create my credit to 596, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Conclusion of Wendy’s student loan

In the end, Wendy was able to find a student loan for $144000 with an interest rate of 7.8% interest APR from Regions Bank in Gainesville, Georgia repayable over 20 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.