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8 Month Student Loan For Kimberlie In St. Paul Minnesota

$66000 Student Loan – St. Paul Minnesota, Credit Score Of 669

  • Experian: 680 – This client had a good Experian score
  • Transunion: 656 – Kimberlie had a good credit score with Transunion.
  • Equifax: Kimberlie’s Experian score was 669, which is a good credit rating using the Experian scale.

Paraphrased and Standardized Quote from Kimberlie for this student loan of $66000, provided by First Bank Security, National Association

Hi, I am Kimberlie and I’m from St. Paul in Minnesota. Ramsey, county is where I grew up, and now I need a student loan in Minnesota for $66000 to avoid bankruptcy. It has been difficult, but First Bank Security, National Association really came through for me with this loan for 8.4% interest APR and a term of 4 years. I will repay the loan over the 4 year term, including interest. A big thanks to First Bank Security, National Association for giving me a chance and my good credit. It look me 5 years to build my credit to 669, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.

Previous requests on Kimberlie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$111590.00 9 11.2% $1644.46 Marquette Bank Cannon Falls May 15, 2010
$112180.00 11 7.8% $1268.54 Root River State Bank May 26, 2014
$112240.00 3 9.2% $3579.66 Clinton State Bank January 7, 2015
$112160.00 11 9.5% $1372.69 Peoples State Bank of Plainview May 18, 2015
$112420.00 10 11.8% $1599.93 Security State Bank of Wykoff August 3, 2015

Signature Loan acquired in St. Paul, Minnesota for $66000 with good credit by Kimberlie

A lot of clients have difficulty with obtaining signature loans in St. Paul, Minnesota, and Kimberlie is not an exception. Kimberlie went to 5 lending institutions or more before settling on First Bank Security, National Association, who offered Kimberlie a signature loan for $66000. Typical signature loans simply require a client, like Kimberlie’s signature to get them, up to $37,000 in some cases. Kimberlie was able to get $66000 as a student loan, which is very high for a student loan. Since signature loans don’t need collateral, these loans generally require higher credit, as high as 712

Many previous requests for credit have been made by Kimberlie in the past, including one from State Bank of Taunton in St. Paul, Minnesota before Kimberlie was accepted for the $66000 by First Bank Security, National Association

Kimberlie made 4 prior attempts to obtain a student loan, 2 of which were with State Bank of Taunton, a bank in St. Paul, Minnesota known to specialize in student loans specifically. Before finding First Bank Security, National Association, Kimberlie was desperate due to their inexperience and good credit score.

Contact Details for First Bank Security, National Association, the provider of this student loan

  • First Bank Security, National Association
  • City: St. Paul
  • State: Minnesota
  • Address: 2383 University Avenue
  • County: Ramsey
  • Zip code: 55114

8 Months in the Past, Kimberlie Attempted to Find a High Risk Loan for $44,000.00, and it was Hard

It is an ongoing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Kimberlie. Kimberlie chose not to obtain a high risk loan this time. High Risk loans are given to very low credit borrowers. Individuals with credit scores as low as 566 can inquire for a high risk loan and may be be approved.

Installment loan for Kimberlie, a graduate of Carson-Newman University and a commercial diver working for over $69,000 per year

Kimberlie, an alumnus at Carson-Newman University and a commercial diver in St. Paul, Minnesota wants a student loan to purchase a house. Kimberlie has instead decided to get an installment loan for $28,000 and is at present seeking lenders like State Bank of Danvers to process their request.

Fast Loans for Kimberlie in St. Paul, Minnesota to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in St. Paul, Minnesota aren’t actually that difficult to obtain, particularly if you have some finesse like Kimberlie. Kimberlie was able to find a fast loan for $66000 from State Bank of Danvers and State Bank of Danvers, but declined both offers in favor of their student loan from First Bank Security, National Association. 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 5 weeks for installment loans. A big difference if you are on the go.

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

Normal debt consolidation loans vary from $20,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kimberlie needed a debt consolidation loan to pay for their existing student loan and their loan shark loan. Kimberlie 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 a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.8%.

Kimberlie has a disappointing current gross income, but has several of prospects

Kimberlie has always wanted to be a travel agent, but would need attend Carson-Newman University again to become one. Kimberlie has other possibilities as well, including elevator mechanic, instrument technician, and preschool administrator, which pay $51,000 through to $93,000 per year, at least. Because of this, we think that Kimberlie can afford this student loan of $66000.

Before applying for this student loan, Kimberlie had an Experian score of 680, which is good, so First Bank Security, National Association most likely cannot provide Kimberlie a student loan

Experian Score: 680

When Kimberlie was 24, they attempted to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a chronology of Kimberlie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on December 3, 2011
  • Attempt 2) Loan for $22,000.00 on August 4, 2011
  • Attempt 3) Loan for $30,000.00 on July 24, 2011
  • Attempt 4) Loan for $20,000.00 on April 19, 2013

Kimberlie’s Overall FICO score at the time of acceptance for a student loan, taking into account their commercial diver job and their future job as a travel agent

Fico Score: 669

Client Profile: Kimberlie Kapelke of St. Paul, Minnesota
  • Full name (Changed if requested): Kimberlie Kapelke
  • Current Credit: loans.hit.utils.Fico@f2a0b8e
  • Current City: St. Paul
  • State: Minnesota
  • Zip code: 55120
  • Yearly income: $63,000
  • Current Job: commercial diver
  • Current County: Ramsey
  • Goal Yearly Income: $133,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Kimberlie was rejected by Farmers and Merchants State Bank of Lamberton 7 times prior to being granted funding by First Bank Security, National Association at 2383 University Avenue

On February 9, 2009, Kimberlie inquired about borrowing $24,000 from Frandsen Bank & Trust with Elisabeth, their in law from just outside St. Paul, and even with the co-signer, Kimberlie was rejected for this student loan. With good credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Personal Loan for a commercial diver named Kimberlie in St. Paul, Minnesota to Pay Off Navy FCU nRewards Secured Credit Card

Kimberlie had a lot of credit card debt on their BancorpSouth Platinum MasterCard and their REI MasterCard, and they were starting to get in over their heads. Despite Kimberlie’s job as a commercial diver, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Kimberlie’s Transunion score was changed by the student loan loan, changing to 656 from 669, which is normal in our experience.

Transunion Score: 656

Conclusion of Kimberlie’s student loan

In the end, Kimberlie was able to find a student loan for $66000 with an interest rate of 8.2% interest APR from First Bank Security, National Association in St. Paul, Minnesota repayable over 4 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.