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12 Year, Fixed Interest Student Loan For Gema In Washington

$66000 Student Loan – Cle Elum Washington, Credit Rating Of 624

  • Experian: 638 – They had a good Experian rating
  • Transunion: 608 – Gema had a good credit rating with Transunion.
  • Equifax: Gema’s Experian score was 624, which is a good credit score using the Experian rating scheme.
Client Profile: Gema Fries of Cle Elum, Washington
  • Full name (Changed if requested): Gema Fries
  • Current Credit: loans.hit.utils.Fico@41906a77
  • Current City: Cle Elum
  • State: Washington
  • Zip code: 98926
  • Yearly income: $44,000
  • Current Job: historic site administrator
  • Current County: Kittitas
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Gema’s Transunion score was altered by the student loan loan, changing to 608 from 624, which is typical in our experience.

Transunion Score: 608

Signature Loan found in Cle Elum, Washington for $66000 with good credit by Gema

A lot of prospective borrowers struggle with finding signature loans in Cle Elum, Washington, and Gema is no different. Gema went to 7 lending institutions or more before finding Cle Elum State Bank, who offered Gema a signature loan for $66000. Most signature loans simply require a client, like Gema’s signature to get them, up to $26,000 in some cases. Gema was able to get $66000 as a student loan, which is very high for a student loan. Because signature loans do not need a cosigner, they generally need improved credit, as high as 772

Paraphrased and Standardized Quote from Gema for this student loan of $66000, provided by Cle Elum State Bank

Hi, I am Gema and my hometown is Cle Elum in Washington. Kittitas, county is where I grew up, and now I need a student loan in Washington for $66000 to pay bills. It wasn’t easy, but Cle Elum State Bank really came through for me with this loan for 8.7% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to Cle Elum State Bank for giving me a chance and my good credit. It look me 6 years to build my credit to 624, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Gema was rejected by First National Bank in Port Angeles 5 times prior to being approved by Cle Elum State Bank at 201 East First Street

On December 19, 2009, Gema applied about borrowing $31,000 from Baker-Boyer National Bank with Jennie, their friend from just outside Cle Elum, and even with the co-signer, Gema was rejected for this student loan. With good credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

When Gema was 22, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a list of Gema’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on November 12, 2012
  • Attempt 2) Loan for $32,000.00 on May 11, 2011
  • Attempt 3) Loan for $23,000.00 on April 8, 2010
  • Attempt 4) Loan for $38,000.00 on March 2, 2010
  • Attempt 5) Loan for $31,000.00 on February 23, 2012

Before applying for this student loan, Gema had an Experian score of 638, which is good, so Cle Elum State Bank likely cannot provide Gema a student loan

Experian Score: 638

Previous requests on Gema’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$51460.00 5 11.4% $1129.16 Granite Falls State Bank October 7, 2010
$50710.00 7 10.5% $855.0 Columbia Gorge Bank August 5, 2011
$51280.00 4 11.3% $1332.84 Summit Bank July 7, 2012
$50700.00 9 9.7% $705.58 State Bank of Morton December 25, 2013

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

  • Cle Elum State Bank
  • City: Cle Elum
  • State: Washington
  • Address: 201 East First Street
  • County: Kittitas
  • Zip code: 98922

8 Months Ago, Gema Tried to Find a High Risk Loan for $48,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Gema. Gema chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit ratings as low as 589 can inquire for a high risk loan and possibly can be approved.

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $39,000.00 to $47,000.00. They are typically used to pay off existing high interest loans like credit cards. Gema required a debt consolidation loan to pay for their existing student loan and their credit card. Gema was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.1%.

Fast Loans for Gema in Cle Elum, Washington to prevent bankruptcy or harm from debt collectors.

Fast loans in Cle Elum, Washington aren’t actually that difficult to obtain, especially if you have some gumption like Gema. Gema was able to find a fast loan for $66000 from The First American National Bank of Port Townsend and Old National Bank of Washington, but declined both offers in favor of their student loan from Cle Elum State Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a borrower is in a pinch.

Gema has a low current yearly income, but has a large amount of prospects

Gema has always wanted to be a motorcycle mechanic, but would need attend MeritCare Medical Center/MeritCare Health System again to achieve it. Gema has other prospects as well, including job analyst, voice pathologist, and glass blower, which pay $57,000 through to $96,000 per year, at least. Because of this, we think that Gema can afford this student loan of $66000.

Installment loan for Gema, a graduate of MeritCare Medical Center/MeritCare Health System and a historic site administrator working for over $69,000 per year

Gema, an alumnus at MeritCare Medical Center/MeritCare Health System and a historic site administrator in Cle Elum, Washington wants a student loan to purchase a house. Gema has instead chosen to get an installment loan for $8,000 and is currently seeking lenders like Baker-Boyer National Bank to provide it.

Personal Loan for a historic site administrator named Gema in Cle Elum, Washington to Pay Off Arvest Visa Gold Card

Gema had a lot of credit card debt on their Wyndham Rewards Visa Signature No Annual Fee Card and their The Bank Visa Co-Signer Card, and they were starting to get in over their heads. Despite Gema’s job as a historic site administrator, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Multiple other requests for credit have been made by Gema in the past, including one from SouthTrust Bank of the Suncoast in Cle Elum, Washington before Gema was approved for the $66000 by Cle Elum State Bank

Gema made 5 previous tries to obtain a student loan, 2 of which were with SouthTrust Bank of the Suncoast, a lender in Cle Elum, Washington known to specialize in student loans specifically. Before finding Cle Elum State Bank, Gema was desperate due to their inexperience and good credit rating.

Gema’s Overall FICO score at the time of acceptance for a student loan, taking into account their historic site administrator job and their future career as a motorcycle mechanic

Fico Score: 624

Conclusion of Gema’s student loan

In the end, Gema was able to find a student loan for $66000 with an interest rate of 6.2% interest APR from Cle Elum State Bank in Cle Elum, Washington repayable over 12 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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