$132000 Student Loan – Quincy Florida, Credit Score Of 492
- Experian: 504 – This client had a bad Experian score
- Transunion: 474 – Marisa had a bad credit score with Transunion.
- Equifax: Marisa’s Experian score was 492, which is a bad credit score with the Experian scale.
Marisa was not approved by The Broadway National Bank of Tampa 5 times prior to being approved by The Quincy State Bank at 4 East Washington Street
On May 1, 2010, Marisa inquired about borrowing $24,000 from Seacoast National Bank with Clinton, their in law from just outside Quincy, and even with the co-signer, Marisa was rejected for this student loan. With bad credit, it can be very hard to procure funding, even with collateral and a co-signer.
Marisa has a sad current gross income, but has several of prospects
Marisa has always wanted to be a field health officer, but would need attend Northwest Iowa Community College again to become one. Marisa has other possibilities as well, including farm hand, college/university professor, and speech writer, which pay $55,000 through to $106,000 per year, on average. Because of this, we think that Marisa can afford this student loan of $132000.
Signature Loan easily acquired in Quincy, Florida for $132000 with bad credit by Marisa
Many borrowers have difficulty with finding signature loans in Quincy, Florida, and Marisa is no exception. Marisa went to 6 lenders or more prior to finding The Quincy State Bank, who offered Marisa a signature loan for $132000. Typical signature loans simply need a client, like Marisa’s signature to get them, up to $26,000 in some cases. Marisa was able to get $132000 as a student loan, which is very high for a student loan. Since signature loans don’t need collateral, these loans generally require better credit, as high as 719
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans vary from $33,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Marisa needed a debt consolidation loan to pay for their existing student loan and their credit card. Marisa was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.1%.
Before applying for this student loan, Marisa had an Experian score of 504, which is bad, so The Quincy State Bank most likely cannot provide Marisa a student loan
When Marisa was 19, they attempted to obtain a student loan from 6 different lenders, which harmed their credit rating. Below is a chronology of Marisa’s prior attempts at finding a student loan:
- Attempt 1) Loan for $28,000.00 on September 29, 2012
- Attempt 2) Loan for $22,000.00 on November 26, 2009
- Attempt 3) Loan for $20,000.00 on September 11, 2009
- Attempt 4) Loan for $22,000.00 on November 10, 2011
- Attempt 5) Loan for $39,000.00 on February 19, 2011
- Attempt 6) Loan for $26,000.00 on September 6, 2011
Previous requests on Marisa’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$48710.00||11||9.7%||$601.6||NCNB National Bank of Florida||March 14, 2012|
|$49380.00||10||8.1%||$601.73||Southeast Bank of Madison County, National Association||November 16, 2014|
|$48550.00||11||5.5%||$491.03||Southeast Bank of Wildwood||January 19, 2015|
|$48540.00||9||9.6%||$672.91||Atlantic Bank of Jacksonville||February 10, 2015|
|$49390.00||4||10.3%||$1259.79||Century National Bank of Broward||July 14, 2015|
Marisa’s Transunion score was altered by the student loan loan, changing to 474 from 492, which is typical in our experience.
Fast Loans for Marisa in Quincy, Florida to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Quincy, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Marisa. Marisa was able to find a fast loan for $132000 from The Florida National Bank at Orlando and Hialeah-Miami Springs First State Bank, but turned down both offers in favor of their student loan from The Quincy State Bank. The improvement 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 in the case that a client is on the go.
Personal Loan for a bulldozer / grader operator named Marisa in Quincy, Florida to Pay Off Bank of Edwardsville Credit Cards
Marisa had a lot of credit card debt on their Delaware National Bank Credit Cards and their Express Next Credit Card, and they were starting to get in over their heads. Despite Marisa’s job as a bulldozer / grader operator, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Many other requests for credit have been made by Marisa in the past, including one from Grant County Bank in Quincy, Florida before Marisa was accepted for the $132000 by The Quincy State Bank
Marisa made 6 prior attempts to obtain a student loan, 2 of which were with Grant County Bank, a lending institution in Quincy, Florida known to specialize in student loans specifically. Before finding The Quincy State Bank, Marisa was concerned due to their inexperience and bad credit score.
Contact Details for The Quincy State Bank, the provider of this student loan
- The Quincy State Bank
- City: Quincy
- State: Florida
- Address: 4 East Washington Street
- County: Gadsden
- Zip code: 32351
Installment loan for Marisa, a graduate of Northwest Iowa Community College and a bulldozer / grader operator working for over $65,000 per year
Marisa, an alumnus at Northwest Iowa Community College and a bulldozer / grader operator in Quincy, Florida wants a student loan to purchase something frivolous. Marisa has instead chosen to get an installment loan for $20,000 and is at present seeking lenders like Southeast Bank of Madison County, National Association to process their request.
- Full name (Changed if requested): Marisa Bridson
- Current Credit: loans.hit.utils.Fico@7e6cbb7a
- Current City: Quincy
- State: Florida
- Zip code: 32358
- Yearly income: $66,000
- Current Job: bulldozer / grader operator
- Current County: Gadsden
- Goal Yearly Income: $102,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Paraphrased and Standardized Quote from Marisa for this student loan of $132000, provided by The Quincy State Bank
Hi, I am Marisa and I’m from Quincy in Florida. Gadsden, county is where I grew up, and now I need a student loan in Florida for $132000 to buy a car. It has been difficult, but The Quincy State Bank really came through for me with this loan for 11.6% interest APR and a term of 22 years. I will repay the loan over the 22 year term, including interest. A big thanks to The Quincy State Bank for trusting me and my bad credit. It look me 8 years to build my credit to 492, and I won’t harm it any future. I’m happy with Find Texas Loans for helping me this far.
Marisa’s Overall FICO score at the time of acceptance for a student loan, taking into account their bulldozer / grader operator job and their future job as a field health officer
7 Months in the Past, Marisa Attempted Finding a High Risk Loan for $29,000.00, and it was Hard
There is an existing struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Marisa. Marisa chose not to get a high risk loan this time. High Risk loans are given to bad credit individuals. Individuals with credit scores as low as 497 can inquire for a high risk loan and may be be accepted.
Conclusion of Marisa’s student loan
In the end, Marisa was able to find a student loan for $132000 with an interest rate of 10.7% interest APR from The Quincy State Bank in Quincy, Florida repayable over 22 years from today.