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12 Year, Variable Interest Student Loan For Tarsha In Georgia

$68000 Student Loan – Macon Georgia, Credit Rating Of 397

  • Experian: 411 – The client had a terrible Experian rating
  • Transunion: 382 – Tarsha had a terrible credit score with Transunion.
  • Equifax: Tarsha’s Experian score was 397, which is a terrible credit rating on the Experian system.
Client Profile: Tarsha Patience of Macon, Georgia
  • Full name (Changed if requested): Tarsha Patience
  • Current Credit: loans.hit.utils.Fico@6ae40994
  • Current City: Macon
  • State: Georgia
  • Zip code: 31213
  • Yearly income: $69,000
  • Current Job: electronic drafter
  • Current County: Bibb
  • Goal Yearly Income: $81,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Tarsha was not approved by Monroe County Bank 5 times prior to being approved by Rivoli Bank & Trust at 5980 Zebulon Road

On February 29, 2012, Tarsha inquired about borrowing $13,000 from The Citizens and Southern Bank of Thomaston with Micki, their in law from just outside Macon, and even with the co-signer, Tarsha was rejected for this student loan. With terrible credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Tarsha for this student loan of $68000, provided by Rivoli Bank & Trust

Hi, I am Tarsha and my hometown is Macon in Georgia. Bibb, county is where I grew up, and now I need a student loan in Georgia for $68000 to avoid bankruptcy. It has been difficult, but Rivoli Bank & Trust really came through for me with this loan for 7.3% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to Rivoli Bank & Trust for trusting me and my terrible credit. It look me 4 years to build my credit to 397, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Tarsha has a very low current total income, but has a high number of prospects

Tarsha has always wanted to be a medical administrative assistant, but would have to attend University of Kansas again to achieve it. Tarsha has other possibilities as well, including kindergarten teacher, mapping technician, and horticulturist, which pay $57,000 through to $96,000 per year, on average. For this reason, we think that Tarsha can pay for this student loan of $68000.

Multiple other requests for credit have been made by Tarsha in the past, including one from Victoria Savings Association in Macon, Georgia before Tarsha was accepted for the $68000 by Rivoli Bank & Trust

Tarsha made 9 previous attempts to obtain a student loan, 2 of which were with Victoria Savings Association, a lending institution in Macon, Georgia known to specialize in student loans specifically. Prior to finding Rivoli Bank & Trust, Tarsha was very concerned due to their inexperience and terrible credit score.

7 Months in the Past, Tarsha Tried to Find a High Risk Loan for $40,000.00, and it was Easy

It is an existing struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Tarsha. Tarsha decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Individuals with credit scores as low as 502 can inquire for a high risk loan and have a chance to be accepted.

Tarsha’s Overall FICO score at the time of acceptance for a student loan, taking into account their electronic drafter job and their future career as a medical administrative assistant

Fico Score: 397

Contact Details for Rivoli Bank & Trust, the provider of this student loan

  • Rivoli Bank & Trust
  • City: Macon
  • State: Georgia
  • Address: 5980 Zebulon Road
  • County: Bibb
  • Zip code: 31210

Before applying for this student loan, Tarsha had an Experian score of 411, which is terrible, so Rivoli Bank & Trust probably cannot provide Tarsha a student loan

Experian Score: 411

Signature Loan easily acquired in Macon, Georgia for $68000 with terrible credit by Tarsha

Most borrowers struggle with finding signature loans in Macon, Georgia, and Tarsha is no exception. Tarsha went to 5 lending institutions or more prior to settling on Rivoli Bank & Trust, who offered Tarsha a signature loan for $68000. Most signature loans simply need a client, like Tarsha’s signature to get them, up to $24,000 in some cases. Tarsha was able to get $68000 as a student loan, which is very high for a student loan. Since signature loans don’t need collateral, they tend to require improved credit, as high as 729

Previous requests on Tarsha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$87690.00 6 9.5% $1602.51 NationsBank of Florida, National Association September 9, 2011
$88200.00 3 5.2% $2651.36 Century Bank and Trust March 18, 2013
$87550.00 4 11.1% $2267.03 Bank of Madison September 26, 2013
$88270.00 5 9.8% $1866.8 Bank of Hazlehurst May 19, 2014
$87570.00 6 11.6% $1693.85 The Citizens and Southern Bank of Dublin June 6, 2014

Tarsha’s Transunion score was altered by the student loan loan, changing to 382 from 397, which is normal in our experience.

Transunion Score: 382

Personal Loan for an electronic drafter named Tarsha in Macon, Georgia to Pay Off Aer Lingus Rewards MasterCard

Tarsha had a tonne of credit card debt on their St Louis Cardinals BankAmericard Cash Rewards MasterCard and their Riverview Community Bank Visa Business Card, and they were starting to get in over their heads. Despite Tarsha’s job as an electronic drafter, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $28,000.00 to $51,000.00. They are mainly used to pay off existing high interest loans like credit cards. Tarsha required a debt consolidation loan to pay for their existing student loan and their payday loan. Tarsha was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.7%.

Fast Loans for Tarsha in Macon, Georgia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Macon, Georgia aren’t actually that difficult to obtain, especially if you have some gumption like Tarsha. Tarsha was able to find a fast loan for $68000 from Bank of Alapaha and Bank of Morgan County, but turned down both offers in favor of their student loan from Rivoli Bank & Trust. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. An improvement in the case that a client is in a pinch.

Installment loan for Tarsha, a graduate of University of Kansas and an electronic drafter working for over $68,000 per year

Tarsha, an alumnus at University of Kansas and an electronic drafter in Macon, Georgia needs a student loan to purchase a car. Tarsha has instead decided to obtain an installment loan for $22,000 and is at present seeking lenders like The Citizens Bank to provide it.

When Tarsha was 22, they attempted to obtain a student loan from 6 different lenders, which damaged their credit rating. Below is a chronology of Tarsha’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on February 21, 2012
  • Attempt 2) Loan for $35,000.00 on April 13, 2010
  • Attempt 3) Loan for $36,000.00 on November 17, 2008
  • Attempt 4) Loan for $35,000.00 on April 15, 2013
  • Attempt 5) Loan for $34,000.00 on June 1, 2013
  • Attempt 6) Loan for $36,000.00 on August 9, 2012

Conclusion of Tarsha’s student loan

In the end, Tarsha was able to find a student loan for $68000 with an interest rate of 11.6% interest APR from Rivoli Bank & Trust in Macon, Georgia 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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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.