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Geralyn Needed A Student Loan For $144000, Sulphur Springs, Texas

$144000 Student Loan – Sulphur Springs Texas, Credit Rating Of 579

  • Experian: 595 – This client had a fair Experian rating
  • Transunion: 563 – Geralyn had a fair credit score with Transunion.
  • Equifax: Geralyn’s Experian score was 579, which is a fair credit rating with the Experian scale.

When Geralyn was 18, they tried to obtain a student loan from 5 different lenders, which damaged their credit rating. Below is a chronology of Geralyn’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on September 2, 2009
  • Attempt 2) Loan for $23,000.00 on July 28, 2009
  • Attempt 3) Loan for $21,000.00 on May 13, 2012
  • Attempt 4) Loan for $28,000.00 on October 11, 2012
  • Attempt 5) Loan for $27,000.00 on August 1, 2011

Geralyn’s Transunion score was changed by the student loan loan, changing to 563 from 579, which is normal in our experience.

Transunion Score: 563

Geralyn was not approved by Comerica Bank 4 times prior to being approved by Alliance Bank at 100 Jefferson Street

On August 15, 2011, Geralyn inquired about borrowing $8,000 from Vista Bank with Jada, their friend from just outside Sulphur Springs, and even with the co-signer, Geralyn was rejected for this student loan. With fair credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Geralyn has a low current total income, but has a large amount of prospects

Geralyn has always wanted to be an appeals referee, but would have to attend Mercer County Community College again to become one. Geralyn has other prospects as well, including financial examiner, cook, and bicycle mechanic, which pay $56,000 through to $99,000 per year, on average. Because of this, we think that Geralyn can pay for this student loan of $144000.

Before applying for this student loan, Geralyn had an Experian score of 595, which is fair, so Alliance Bank likely can provide Geralyn a student loan

Experian Score: 595

Contact Details for Alliance Bank, the provider of this student loan

  • Alliance Bank
  • City: Sulphur Springs
  • State: Texas
  • Address: 100 Jefferson Street
  • County: Hopkins
  • Zip code: 75482

Personal Loan for a police artist named Geralyn in Sulphur Springs, Texas to Pay Off Walmart Community Card

Geralyn had a tonne of credit card debt on their Conestoga Bank Secured Visa Card and their RBC U.S. Dollar Visa Gold, and they were starting to get in over their heads. Despite Geralyn’s job as a police artist, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

6 Months in the Past, Geralyn Tried Finding a High Risk Loan for $43,000.00, and it was Hard

It is an well known struggle for borrowers to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Geralyn. Geralyn chose not to obtain 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 349 can apply for a high risk loan and may be be accepted.

Paraphrased and Standardized Quote from Geralyn for this student loan of $144000, provided by Alliance Bank

Hello, I am Geralyn and I’m from Sulphur Springs in Texas. Hopkins, county is where I grew up, and now I need a student loan in Texas for $144000 to renovate my home. It wasn’t easy, but Alliance Bank really came through for me with this loan for 5.7% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to Alliance Bank for trusting me and my fair credit. It look me 7 years to build my credit to 579, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.

Installment loan for Geralyn, a graduate of Mercer County Community College and a police artist working for over $73,000 per year

Geralyn, an alumnus at Mercer County Community College and a police artist in Sulphur Springs, Texas wants a student loan to purchase something frivolous. Geralyn has instead chosen to obtain an installment loan for $18,000 and is at present seeking lenders like Commercial State Bank to provide it.

Several past requests for credit have been made by Geralyn in the past, including one from Citizens Bank in Sulphur Springs, Texas before Geralyn was accepted for the $144000 by Alliance Bank

Geralyn made 4 prior attempts to obtain a student loan, 2 of which were with Citizens Bank, a lender in Sulphur Springs, Texas known to specialize in student loans specifically. Before finding Alliance Bank, Geralyn was very concerned due to their inexperience and fair credit score.

Fast Loans for Geralyn in Sulphur Springs, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Sulphur Springs, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Geralyn. Geralyn was able to find a fast loan for $144000 from The Bank and Trust, S.S.B. and Farmers State Bank of Shiro, Texas, but declined both offers in favor of their student loan from Alliance Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better in the case that a client is on the go.

Geralyn’s Overall FICO score at the time of acceptance for a student loan, taking into account their police artist job and their future career as an appeals referee

Fico Score: 579

Previous requests on Geralyn’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$147250.00 10 8.1% $1794.34 Comerica Bank March 28, 2009
$147200.00 3 8.2% $4626.31 First Star Bank, S.S.B. December 3, 2010
$146750.00 4 5.6% $3419.58 Brownfield State Bank & Trust Co. October 20, 2012
$147230.00 3 8.1% $4620.45 First Bank & Trust, Bryan, Texas November 26, 2013

Signature Loan easily acquired in Sulphur Springs, Texas for $144000 with fair credit by Geralyn

Many prospective borrowers struggle with finding signature loans in Sulphur Springs, Texas, and Geralyn is the same. Geralyn went to 5 lenders or more prior to finding Alliance Bank, who offered Geralyn a signature loan for $144000. Most signature loans simply require a client, like Geralyn’s signature to obtain them, up to $23,000 in some cases. Geralyn was able to get $144000 as a student loan, which is very high for a student loan. Because signature loans do not need collateral, they tend to need improved credit, as high as 771

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $35,000.00 to $57,000.00. They are typically used to pay off existing high interest loans like credit cards. Geralyn needed a debt consolidation loan to pay for their existing student loan and their loan shark loan. Geralyn was able to find a student loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.8%.

Client Profile: Geralyn Pawluk of Sulphur Springs, Texas
  • Full name (Changed if requested): Geralyn Pawluk
  • Current Credit: loans.hit.utils.Fico@3eb07fd3
  • Current City: Sulphur Springs
  • State: Texas
  • Zip code: 75483
  • Yearly income: $69,000
  • Current Job: police artist
  • Current County: Hopkins
  • Goal Yearly Income: $100,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Conclusion of Geralyn’s student loan

In the end, Geralyn was able to find a student loan for $144000 with an interest rate of 9.2% interest APR from Alliance Bank in Sulphur Springs, Texas repayable over 21 years from today.

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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