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Geneva Laughery’s Student Loan For 20000 Dollars In Whitesville West Virginia

$20000 Student Loan – Whitesville West Virginia, Credit Rating Of 506

  • Experian: 525 – They had a fair Experian rating
  • Transunion: 488 – Geneva had a fair credit rating with Transunion.
  • Equifax: Geneva’s Experian score was 506, which is a fair credit score with the Experian rating scheme.

Fast Loans for Geneva in Whitesville, West Virginia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Whitesville, West Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Geneva. Geneva was able to find a fast loan for $20000 from The Bank of Romney and Citizens National Bank of Follansbee, but turned down both offers in favor of their student loan from Whitesville State Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference in the case that a client is in a time sensitive situation.

Geneva’s Overall FICO score at the time of acceptance for a student loan, taking into account their photoengravers job and their future career as a child support services worker

Fico Score: 506

Client Profile: Geneva Laughery of Whitesville, West Virginia
  • Full name (Changed if requested): Geneva Laughery
  • Current Credit: loans.hit.utils.Fico@69222c14
  • Current City: Whitesville
  • State: West Virginia
  • Zip code: 25215
  • Yearly income: $43,000
  • Current Job: photoengravers
  • Current County: Boone
  • Goal Yearly Income: $101,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Before applying for this student loan, Geneva had an Experian score of 525, which is fair, so Whitesville State Bank most likely cannot provide Geneva a student loan

Experian Score: 525

Paraphrased and Standardized Quote from Geneva for this student loan of $20000, provided by Whitesville State Bank

Hello, I am Geneva and my hometown is Whitesville in West Virginia. Boone, county is where I grew up, and now I need a student loan in West Virginia for $20000 to buy a big ticket item. It has been difficult, but Whitesville State Bank really came through for me with this loan for 7.0% interest APR and a term of 24 years. I will repay the loan over the 24 year term, including interest. A big thanks to Whitesville State Bank for trusting me and my fair credit. It look me 9 years to create my credit to 506, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

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

Geneva has always wanted to be a child support services worker, but would have to attend Marian University again to become one. Geneva has other possibilities as well, including sanitary engineer, occupational safety & health inspector, and zoo veterinarian, which pay $55,000 through to $98,000 per year, on average. Because of this, we believe that Geneva can afford this student loan of $20000.

Multiple past requests for credit have been made by Geneva in the past, including one from Riverside Savings Bank, S.L.A. in Whitesville, West Virginia before Geneva was accepted for the $20000 by Whitesville State Bank

Geneva made 7 prior attempts to obtain a student loan, 2 of which were with Riverside Savings Bank, S.L.A., a lending institution in Whitesville, West Virginia known to specialize in student loans specifically. Prior to finding Whitesville State Bank, Geneva was concerned due to their inexperience and fair credit score.

Signature Loan easily acquired in Whitesville, West Virginia for $20000 with fair credit by Geneva

Many prospective borrowers have difficulty with finding signature loans in Whitesville, West Virginia, and Geneva is not an exception. Geneva went to 6 lending institutions or more prior to finding Whitesville State Bank, who offered Geneva a signature loan for $20000. Typical signature loans simply need a client, like Geneva’s signature to obtain them, up to $24,000 in some cases. Geneva was able to get $20000 as a student loan, which is very high for a student loan. Because signature loans don’t need collateral, these loans generally need higher credit, as high as 764

Geneva’s Transunion score was altered by the student loan loan, changing to 488 from 506, which is typical in our experience.

Transunion Score: 488

Contact Details for Whitesville State Bank, the provider of this student loan

  • Whitesville State Bank
  • City: Whitesville
  • State: West Virginia
  • Address: 38609 Coal River Rd
  • County: Boone
  • Zip code: 25209

Personal Loan for a photoengravers named Geneva in Whitesville, West Virginia to Pay Off Commerce Bank Miles Credit Card

Geneva had a tonne of credit card debt on their AeroMexico Visa Secured Card and their Berkshire Municipal Bank Visa Business Bonus Rewards Card, and they were starting to get in over their heads. Despite Geneva’s job as a photoengravers, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Geneva was 22, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit score. Below is a chronology of Geneva’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on April 14, 2010
  • Attempt 2) Loan for $32,000.00 on November 15, 2008
  • Attempt 3) Loan for $34,000.00 on June 2, 2010
  • Attempt 4) Loan for $30,000.00 on September 13, 2012
  • Attempt 5) Loan for $22,000.00 on May 22, 2009

Geneva was not approved by Pendleton Community Bank, Inc. 6 times prior to being approved by Whitesville State Bank at 38609 Coal River Rd

On January 22, 2010, Geneva inquired about borrowing $37,000 from Traders Bank with Leslee, their in law from just outside Whitesville, and even with the co-signer, Geneva was rejected for this student loan. With fair credit, it can be challenging to procure financing, even with collateral and a co-signer.

9 Months Ago, Geneva Tried Finding a High Risk Loan for $25,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Geneva. Geneva chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Individuals with credit scores as low as 334 can inquire for a high risk loan and have a chance to be approved.

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

Average debt consolidation loans vary from $39,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Geneva required a debt consolidation loan to pay for their existing student loan and their payday loan. Geneva was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.6%.

Previous requests on Geneva’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$79390.00 11 10.7% $1025.66 Wesbanco Bank Sistersville September 15, 2009
$78750.00 8 11.2% $1245.55 Wesbanco Bank, Inc. July 7, 2012
$78530.00 10 9.5% $1016.16 Peoples State Bank, National Association January 31, 2014
$79400.00 5 10.1% $1690.92 Kanawha Banking & Trust Company National Association February 1, 2015

Installment loan for Geneva, a graduate of Marian University and a photoengravers working for over $79,000 per year

Geneva, an alumnus at Marian University and a photoengravers in Whitesville, West Virginia wants a student loan to purchase something frivolous. Geneva has instead chosen to obtain an installment loan for $7,000 and is at present seeking lenders like The Bank of St. Albans to provide it.

Conclusion of Geneva’s student loan

In the end, Geneva was able to find a student loan for $20000 with an interest rate of 7.2% interest APR from Whitesville State Bank in Whitesville, West Virginia repayable over 24 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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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.