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Student Loan With Very Low APR In Grant County, Wisconsin

$70000 Student Loan – Fennimore Wisconsin, Credit Rating Of 350

  • Experian: 362 – This client had a terrible Experian rating
  • Transunion: 334 – Suanne had a terrible credit rating with Transunion.
  • Equifax: Suanne’s Experian score was 350, which is a terrible credit rating using the Experian rating scheme.

Personal Loan for a business professor named Suanne in Fennimore, Wisconsin to Pay Off Fifth Third Bank Platinum MasterCard

Suanne had a tonne of credit card debt on their AirBP Sterling Card and their Woman Within Credit Cards, and they were starting to get in over their heads. Despite Suanne’s job as a business professor, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for F & M Bank-Fennimore, the provider of this student loan

  • F & M Bank-Fennimore
  • City: Fennimore
  • State: Wisconsin
  • Address: 1275 Tenth Street
  • County: Grant
  • Zip code: 53809

Installment loan for Suanne, a graduate of Minnesota State Community and Technical College and a business professor working for over $78,000 per year

Suanne, an alumnus at Minnesota State Community and Technical College and a business professor in Fennimore, Wisconsin needs a student loan to purchase a house. Suanne has instead chosen to obtain an installment loan for $9,000 and is currently seeking lenders like South Milwaukee Marine Bank to process their request.

Previous requests on Suanne’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$125190.00 11 7.3% $1382.35 M&I Bank of Burlington May 8, 2010
$125320.00 4 9.8% $3166.42 M&I Marshall and Ilsley Bank August 15, 2010
$125450.00 3 11.4% $4130.88 Continental Bank & Trust Co. October 16, 2010
$125360.00 9 7.8% $1619.06 Clare Bank, National Association May 14, 2012
$125310.00 11 6.7% $1344.26 Norwest Bank Wisconsin East Central February 16, 2013

Paraphrased and Standardized Quote from Suanne for this student loan of $70000, provided by F & M Bank-Fennimore

Hi, I am Suanne and I am from Fennimore in Wisconsin. Grant, county is where I grew up, and now I need a student loan in Wisconsin for $70000 to pay bills. It wasn’t easy, but F & M Bank-Fennimore really came through for me with this loan for 10.4% interest APR and a term of 21 years. I can repay the loan over the 21 year term, including interest. A big thanks to F & M Bank-Fennimore for giving me a chance and my terrible credit. It look me 7 years to build my credit to 350, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Signature Loan acquired in Fennimore, Wisconsin for $70000 with terrible credit by Suanne

A lot of prospective borrowers have difficulty with finding signature loans in Fennimore, Wisconsin, and Suanne is no exception. Suanne went to 6 lending institutions or more prior to settling on F & M Bank-Fennimore, who offered Suanne a signature loan for $70000. Typical signature loans simply need a client, like Suanne’s signature to get them, up to $43,000 in some cases. Suanne was able to get $70000 as a student loan, which is very high for a student loan. Because signature loans do not need a cosigner, these loans generally need higher credit, as high as 782

Client Profile: Suanne Roza of Fennimore, Wisconsin
  • Full name (Changed if requested): Suanne Roza
  • Current Credit: loans.hit.utils.Fico@156643d4
  • Current City: Fennimore
  • State: Wisconsin
  • Zip code: 53811
  • Yearly income: $40,000
  • Current Job: business professor
  • Current County: Grant
  • Goal Yearly Income: $147,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Suanne was not approved by Norwest Bank Wisconsin Appleton 4 times before being granted funding by F & M Bank-Fennimore at 1275 Tenth Street

On March 26, 2012, Suanne applied about borrowing $15,000 from Continental Bank & Trust Co. with Santo, their in law from just outside Fennimore, and even with the co-signer, Suanne was rejected for this student loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Suanne’s Transunion score was altered by the student loan loan, changing to 334 from 350, which is typical in our experience.

Transunion Score: 334

Before applying for this student loan, Suanne had an Experian score of 362, which is terrible, so F & M Bank-Fennimore likely cannot provide Suanne a student loan

Experian Score: 362

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $38,000.00 to $54,000.00. They are normally used to pay off existing high interest loans like credit cards. Suanne needed a debt consolidation loan to pay for their existing student loan and their payday loan. Suanne was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.7%.

Fast Loans for Suanne in Fennimore, Wisconsin to prevent bankruptcy or harm from debt collectors.

Fast loans in Fennimore, Wisconsin aren’t actually that difficult to obtain, especially if you have some finesse like Suanne. Suanne was able to find a fast loan for $70000 from Wisconsin Marine Bank and First Bank Southeast, National Association, but turned down both offers in favor of their student loan from F & M Bank-Fennimore. 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 5 weeks for installment loans. A big improvement if you are on the go.

Suanne’s Overall FICO score at the time of acceptance for a student loan, taking into account their business professor job and their future job as a historic site administrator

Fico Score: 350

Many other requests for credit have been made by Suanne in the past, including one from Rondout Savings Bank in Fennimore, Wisconsin before Suanne was approved for the $70000 by F & M Bank-Fennimore

Suanne made 4 previous attempts to obtain a student loan, 2 of which were with Rondout Savings Bank, a bank in Fennimore, Wisconsin known to specialize in student loans specifically. Prior to finding F & M Bank-Fennimore, Suanne was very concerned due to their inexperience and terrible credit score.

9 Months Ago, Suanne Attempted Finding a High Risk Loan for $40,000.00, and it was Hard

There is an existing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Suanne. Suanne chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Borrowers with credit scores as low as 414 can inquire for a high risk loan and may be be accepted.

Suanne has a low current yearly income, but has several of prospects

Suanne has always wanted to be a historic site administrator, but would need attend Minnesota State Community and Technical College again to achieve it. Suanne has other possibilities as well, including biological technician, sales representitive, and government budget analyst, which pay $52,000 through to $93,000 per year, on average. For this reason, we believe that Suanne can afford this student loan of $70000.

When Suanne was 24, they tried to obtain a student loan from 6 different lenders, which damaged their credit score. Below is a list of Suanne’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on November 10, 2009
  • Attempt 2) Loan for $27,000.00 on April 5, 2011
  • Attempt 3) Loan for $20,000.00 on May 22, 2012
  • Attempt 4) Loan for $35,000.00 on October 19, 2011
  • Attempt 5) Loan for $27,000.00 on August 5, 2012
  • Attempt 6) Loan for $33,000.00 on November 24, 2011

Conclusion of Suanne’s student loan

In the end, Suanne was able to find a student loan for $70000 with an interest rate of 10.8% interest APR from F & M Bank-Fennimore in Fennimore, Wisconsin repayable over 21 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.