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Hilma Figuerda’s Student Loan For 40000 Dollars In Thomasville North Carolina

$40000 Student Loan – Thomasville North Carolina, Credit Rating Of 738

  • Experian: 755 – This client had an excellent Experian rating
  • Transunion: 726 – Hilma had an excellent credit score with Transunion.
  • Equifax: Hilma’s Experian score was 738, which is an excellent credit score with the Experian scale.

Hilma has a sad current yearly income, but has a high number of prospects

Hilma has always wanted to be an animal kennel supervisor, but would need attend University of St. Francis again to become one. Hilma has other possibilities as well, including hotel manager, cartoonist, and administrative law judge, which pay $55,000 through to $102,000 per year, at least. Because of this, we think that Hilma can pay for this student loan of $40000.

Fast Loans for Hilma in Thomasville, North Carolina to prevent bankruptcy or harm from debt collectors.

Fast loans in Thomasville, North Carolina aren’t actually that difficult to obtain, especially if you have some finesse like Hilma. Hilma was able to find a fast loan for $40000 from Central Carolina Bank and Trust Company and The Bank of Coleridge, but turned down both offers in favor of their student loan from Bank of North Carolina. The difference 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 personal loans. Much better if a client is in a pinch.

Client Profile: Hilma Figuerda of Thomasville, North Carolina
  • Full name (Changed if requested): Hilma Figuerda
  • Current Credit: loans.hit.utils.Fico@73a8dfcc
  • Current City: Thomasville
  • State: North Carolina
  • Zip code: 27363
  • Yearly income: $55,000
  • Current Job: power-line installer and mechanic
  • Current County: Davidson
  • Goal Yearly Income: $113,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Previous requests on Hilma’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$43800.00 7 5.3% $625.26 The Farmers Bank of Seaboard November 25, 2011
$44200.00 9 8.4% $584.63 The Bank of Raeford August 20, 2013
$43630.00 9 7.8% $563.49 The Bank of Coleridge January 12, 2014
$44300.00 3 5.6% $1339.68 Farmers Bank of Sunbury March 31, 2014

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

Most debt consolidation loans range from $24,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Hilma needed a debt consolidation loan to pay for their existing student loan and their credit card. Hilma was able to find a student loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your dirty, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 3.5%.

Contact Details for Bank of North Carolina, the provider of this student loan

  • Bank of North Carolina
  • City: Thomasville
  • State: North Carolina
  • Address: 831 Julian Avenue
  • County: Davidson
  • Zip code: 27360

Paraphrased and Standardized Quote from Hilma for this student loan of $40000, provided by Bank of North Carolina

Hello, I am Hilma and my hometown is Thomasville in North Carolina. Davidson, county is where I grew up, and now I need a student loan in North Carolina for $40000 to pay bills. It wasn’t easy, but Bank of North Carolina really came through for me with this loan for 8.0% interest APR and a term of 14 years. I will repay the loan over the 14 year term, including interest. A big thanks to Bank of North Carolina for trusting me and my excellent credit. It look me 5 years to create my credit to 738, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

8 Months Ago, Hilma Attempted Finding a High Risk Loan for $31,000.00, and it was Hard

There is an ongoing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Hilma. Hilma chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Clients with credit ratings as low as 361 can inquire for a high risk loan and may be be approved.

Installment loan for Hilma, a graduate of University of St. Francis and a power-line installer and mechanic working for over $65,000 per year

Hilma, an alumnus at University of St. Francis and a power-line installer and mechanic in Thomasville, North Carolina wants a student loan to purchase a new cell phone. Hilma has instead chosen to obtain an installment loan for $9,000 and is currently seeking lenders like The Bank of Coleridge to process their request.

Personal Loan for a power-line installer and mechanic named Hilma in Thomasville, North Carolina to Pay Off Farm Bureau Bank World MasterCard

Hilma had a lot of credit card debt on their Lane Bryant Credit Card and their Plum Card, and they were starting to get in over their heads. Despite Hilma’s job as a power-line installer and mechanic, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

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

  • Attempt 1) Loan for $38,000.00 on December 12, 2010
  • Attempt 2) Loan for $38,000.00 on August 22, 2011
  • Attempt 3) Loan for $21,000.00 on February 3, 2013
  • Attempt 4) Loan for $28,000.00 on April 8, 2011

Before applying for this student loan, Hilma had an Experian score of 755, which is excellent, so Bank of North Carolina probably can provide Hilma a student loan

Experian Score: 755

Signature Loan found in Thomasville, North Carolina for $40000 with excellent credit by Hilma

Many clients struggle with obtaining signature loans in Thomasville, North Carolina, and Hilma is no exception. Hilma went to 8 lending institutions or more prior to settling on Bank of North Carolina, who offered Hilma a signature loan for $40000. Typical signature loans simply require a client, like Hilma’s signature to obtain them, up to $42,000 in some cases. Hilma was able to get $40000 as a student loan, which is very high for a student loan. Because signature loans do not require collateral, these loans tend to need improved credit, as high as 703

Hilma’s Overall FICO score at the time of acceptance for a student loan, taking into account their power-line installer and mechanic job and their future job as an animal kennel supervisor

Fico Score: 738

Hilma was declined by Independence National Bank 6 times prior to being approved by Bank of North Carolina at 831 Julian Avenue

On March 2, 2009, Hilma inquired about borrowing $49,000 from Farmers Bank of Sunbury with Dionne, their friend from just outside Thomasville, and even with the co-signer, Hilma was rejected for this student loan. With excellent credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Many other requests for credit have been made by Hilma in the past, including one from First Federal Savings and Loan Association in Thomasville, North Carolina before Hilma was approved for the $40000 by Bank of North Carolina

Hilma made 4 previous attempts to obtain a student loan, 2 of which were with First Federal Savings and Loan Association, a bank in Thomasville, North Carolina known to specialize in student loans specifically. Before finding Bank of North Carolina, Hilma was very concerned due to their inexperience and excellent credit rating.

Hilma’s Transunion score was altered by the student loan loan, changing to 726 from 738, which is normal in our experience.

Transunion Score: 726

Conclusion of Hilma’s student loan

In the end, Hilma was able to find a student loan for $40000 with an interest rate of 9.3% interest APR from Bank of North Carolina in Thomasville, North Carolina 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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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.