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Student Loan With Low APR In Harnett County, North Carolina

$108000 Student Loan – Dunn North Carolina, Credit Rating Of 673

  • Experian: 689 – They had a good Experian rating
  • Transunion: 658 – Jani had a good credit score with Transunion.
  • Equifax: Jani’s Experian score was 673, which is a good credit score using the Experian system.

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

Jani has always wanted to be a law professor, but would have to attend Southwestern Oklahoma State University again to achieve it. Jani has other prospects as well, including logging worker supervisor, environmental planner, and retail inventory control analyst, which pay $54,000 through to $104,000 per year, at least. Because of this, we believe that Jani can afford this student loan of $108000.

Contact Details for First Federal Bank, the provider of this student loan

  • First Federal Bank
  • City: Dunn
  • State: North Carolina
  • Address: 200 E Divine St
  • County: Harnett
  • Zip code: 28334

Multiple other requests for credit have been made by Jani in the past, including one from Tualatin Valley Bank in Dunn, North Carolina before Jani was accepted for the $108000 by First Federal Bank

Jani made 8 previous tries to obtain a student loan, 2 of which were with Tualatin Valley Bank, a bank in Dunn, North Carolina known to specialize in student loans specifically. Prior to finding First Federal Bank, Jani was concerned due to their inexperience and good credit rating.

Before applying for this student loan, Jani had an Experian score of 689, which is good, so First Federal Bank probably cannot provide Jani a student loan

Experian Score: 689

Previous requests on Jani’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$143840.00 6 7.1% $2459.24 The Farmers Bank of Seaboard February 12, 2012
$144280.00 6 7.4% $2487.64 The Bank of Raeford April 5, 2012
$144190.00 6 10.7% $2722.42 The Bank of Coleridge April 29, 2013
$144370.00 10 11.3% $2013.29 Farmers Bank of Sunbury August 20, 2013

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

Most debt consolidation loans range from $32,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Jani needed a debt consolidation loan to pay for their existing student loan and their payday loan. Jani was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.1%.

Personal Loan for a traffic agent named Jani in Dunn, North Carolina to Pay Off Dillard’s Credit Card

Jani had a lot of credit card debt on their Florida Atlantic University Foundation, Inc WorldPoints Platinum Plus MasterCard and their BankFIRST Visa Business Travel Card, and they were starting to get in over their heads. Despite Jani’s job as a traffic agent, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Jani was declined by Citizens National Bank of Concord 4 times before being granted funding by First Federal Bank at 200 E Divine St

On June 17, 2010, Jani applied about borrowing $4,000 from Citizens Bank with Shavonne, their in law from just outside Dunn, and even with the co-signer, Jani was rejected for this student loan. With good credit, it can be very hard to procure financing, even with collateral and a co-signer.

Jani’s Transunion score was changed by the student loan loan, changing to 658 from 673, which is typical in our experience.

Transunion Score: 658

Signature Loan found in Dunn, North Carolina for $108000 with good credit by Jani

Most borrowers struggle with finding signature loans in Dunn, North Carolina, and Jani is the same. Jani went to 4 lending institutions or more before settling on First Federal Bank, who offered Jani a signature loan for $108000. Most signature loans simply require a client, like Jani’s signature to obtain them, up to $38,000 in some cases. Jani was able to get $108000 as a student loan, which is very high for a student loan. Because signature loans don’t require a cosigner, they tend to need better credit, as high as 734

Fast Loans for Jani in Dunn, North Carolina to prevent bankruptcy or harm from debt collectors.

Fast loans in Dunn, North Carolina aren’t actually that difficult to obtain, particularly if you have some gumption like Jani. Jani was able to find a fast loan for $108000 from The Bank of Currituck and First Charter Bank, but declined both offers in favor of their student loan from First Federal Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement in the case that a borrower is in a pinch.

Paraphrased and Standardized Quote from Jani for this student loan of $108000, provided by First Federal Bank

Hi, I am Jani and my hometown is Dunn in North Carolina. Harnett, county is where I grew up, and now I need a student loan in North Carolina for $108000 to renovate my home. It wasn’t easy, but First Federal Bank really came through for me with this loan for 8.5% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to First Federal Bank for trusting me and my good credit. It look me 4 years to create my credit to 673, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Installment loan for Jani, a graduate of Southwestern Oklahoma State University and a traffic agent working for over $64,000 per year

Jani, an alumnus at Southwestern Oklahoma State University and a traffic agent in Dunn, North Carolina needs a student loan to purchase a house. Jani has instead chosen to get an installment loan for $5,000 and is at present seeking lenders like The Bank of Raeford to process their request.

6 Months in the Past, Jani Tried Finding a High Risk Loan for $49,000.00, and it was Hard

It is an ongoing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Jani. Jani chose not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Clients with credit ratings as low as 584 can inquire for a high risk loan and may be be accepted.

Jani’s Overall FICO score at the time of acceptance for a student loan, taking into account their traffic agent job and their future job as a law professor

Fico Score: 673

When Jani was 21, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit rating. Below is a list of Jani’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on May 30, 2010
  • Attempt 2) Loan for $27,000.00 on February 4, 2010
  • Attempt 3) Loan for $37,000.00 on June 9, 2011
  • Attempt 4) Loan for $33,000.00 on October 9, 2013
  • Attempt 5) Loan for $36,000.00 on April 23, 2012
  • Attempt 6) Loan for $38,000.00 on January 31, 2011
  • Attempt 7) Loan for $28,000.00 on September 8, 2010
Client Profile: Jani Mercardo of Dunn, North Carolina
  • Full name (Changed if requested): Jani Mercardo
  • Current Credit: loans.hit.utils.Fico@5b80350b
  • Current City: Dunn
  • State: North Carolina
  • Zip code: 28342
  • Yearly income: $34,000
  • Current Job: traffic agent
  • Current County: Harnett
  • Goal Yearly Income: $105,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Conclusion of Jani’s student loan

In the end, Jani was able to find a student loan for $108000 with an interest rate of 10.4% interest APR from First Federal Bank in Dunn, North Carolina repayable over 3 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.