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$34000 Student Loan With Good Credit In Woodbury Connecticut

$34000 Student Loan – Woodbury Connecticut, Credit Rating Of 637

  • Experian: 650 – The client had a good Experian score
  • Transunion: 625 – Una had a good credit rating with Transunion.
  • Equifax: Una’s Experian score was 637, which is a good credit score on the Experian system.

When Una was 22, they tried to obtain a student loan from 6 alternate lenders, which damaged their credit score. Below is a list of Una’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on March 6, 2011
  • Attempt 2) Loan for $30,000.00 on December 5, 2012
  • Attempt 3) Loan for $31,000.00 on October 8, 2013
  • Attempt 4) Loan for $37,000.00 on September 21, 2012
  • Attempt 5) Loan for $29,000.00 on June 13, 2011
  • Attempt 6) Loan for $21,000.00 on December 19, 2012

Previous requests on Una’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$37230.00 3 11.8% $1233.02 Colonial Bank of Waterbury December 22, 2010
$37200.00 9 7.2% $469.01 The Canaan National Bank January 16, 2012
$36660.00 7 5.7% $530.29 The Clinton National Bank April 24, 2012
$37170.00 8 5.4% $477.68 Deep River Bank and Trust Company June 28, 2012
$36640.00 7 10.7% $621.6 The National Bank of New England of East Haddam February 8, 2014

Before applying for this student loan, Una had an Experian score of 650, which is good, so Woodbury Savings Bank most likely cannot provide Una a student loan

Experian Score: 650

Several other requests for credit have been made by Una in the past, including one from Cabrillo Federal Savings Bank in Woodbury, Connecticut before Una was accepted for the $34000 by Woodbury Savings Bank

Una made 4 prior attempts to obtain a student loan, 2 of which were with Cabrillo Federal Savings Bank, a lender in Woodbury, Connecticut known to specialize in student loans specifically. Before finding Woodbury Savings Bank, Una was very concerned due to their inexperience and good credit score.

Paraphrased and Standardized Quote from Una for this student loan of $34000, provided by Woodbury Savings Bank

Hi, I am Una and my hometown is Woodbury in Connecticut. Litchfield, county is where I grew up, and now I need a student loan in Connecticut for $34000 to renovate my home. It wasn’t easy, but Woodbury Savings Bank really came through for me with this loan for 6.0% interest APR and a term of 21 years. I can repay the loan over the 21 year term, including interest. A big thanks to Woodbury Savings Bank for trusting me and my good credit. It look me 9 years to create my credit to 637, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

Client Profile: Una Sayne of Woodbury, Connecticut
  • Full name (Changed if requested): Una Sayne
  • Current Credit: loans.hit.utils.Fico@515f550a
  • Current City: Woodbury
  • State: Connecticut
  • Zip code: 6805
  • Yearly income: $47,000
  • Current Job: foreign language teacher
  • Current County: Litchfield
  • Goal Yearly Income: $118,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Installment loan for Una, a graduate of Mountain View – Los Altos Adult Education and a foreign language teacher working for over $69,000 per year

Una, an alumnus at Mountain View – Los Altos Adult Education and a foreign language teacher in Woodbury, Connecticut wants a student loan to purchase a new cell phone. Una has instead chosen to get an installment loan for $1,000 and is currently seeking lenders like Colonial Bank of Plainville to provide it.

Una’s Overall FICO score at the time of acceptance for a student loan, taking into account their foreign language teacher job and their future career as a facilities planner

Fico Score: 637

Contact Details for Woodbury Savings Bank, the provider of this student loan

  • Woodbury Savings Bank
  • City: Woodbury
  • State: Connecticut
  • Address: One Sherman Hill Road
  • County: Litchfield
  • Zip code: 6798

9 Months Ago, Una Tried to Find a High Risk Loan for $41,000.00, and it was Easy

There is an existing struggle for borrowers to get 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 Una. Una decided not to obtain a high risk loan this time. High Risk loans are given to bad credit applicants. Clients with credit ratings as low as 430 can inquire for a high risk loan and may be be approved.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans range from $24,000.00 to $55,000.00. They are mainly used to pay off existing high interest loans like credit cards. Una required a debt consolidation loan to pay for their existing student loan and their credit card. Una was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.1%.

Una was declined by The Canaan National Bank 5 times before being granted funding by Woodbury Savings Bank at One Sherman Hill Road

On August 23, 2011, Una inquired about borrowing $18,000 from The National Bank of New England of East Haddam with Roxanna, their in law from just outside Woodbury, and even with the co-signer, Una was rejected for this student loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Una’s Transunion score was changed by the student loan loan, changing to 625 from 637, which is normal in our experience.

Transunion Score: 625

Signature Loan easily acquired in Woodbury, Connecticut for $34000 with good credit by Una

Most prospective borrowers struggle with finding signature loans in Woodbury, Connecticut, and Una is no exception. Una went to 4 lending institutions or more before finding Woodbury Savings Bank, who offered Una a signature loan for $34000. Most signature loans simply require a client, like Una’s signature to get them, up to $24,000 in some cases. Una was able to get $34000 as a student loan, which is very high for a student loan. Since signature loans do not need collateral, these loans tend to require better credit, as high as 781

Personal Loan for a foreign language teacher named Una in Woodbury, Connecticut to Pay Off Menard’s Big Card

Una had a lot of credit card debt on their Glens Falls National Bank & Trust Secured Visa Card and their M&T Bank Visa Business Bonus Rewards Card, and they were starting to get in over their heads. Despite Una’s job as a foreign language teacher, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Fast Loans for Una in Woodbury, Connecticut to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Woodbury, Connecticut aren’t actually that difficult to obtain, particularly if you have some gumption like Una. Una was able to find a fast loan for $34000 from Shawmut Home Bank and The National Iron Bank, but turned down both offers in favor of their student loan from Woodbury Savings 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 debt consolidation loans. A big difference if a borrower is on the go.

Una has a low current yearly income, but has a high number of prospects

Una has always wanted to be a facilities planner, but would have to attend Mountain View – Los Altos Adult Education again to become one. Una has other possibilities as well, including fire investigator, purchasing agent, and unemployment inspector, which pay $58,000 through to $96,000 per year, at least. For this reason, we believe that Una can afford this student loan of $34000.

Conclusion of Una’s student loan

In the end, Una was able to find a student loan for $34000 with an interest rate of 6.0% interest APR from Woodbury Savings Bank in Woodbury, Connecticut repayable over 21 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.