Help/guidance on getting a personal loan.

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posted in Community by ostin

A little background. I'm a 21-year old college student (in my last year). I just recently as of late October got my first credit card, in fact, I just paid my first bill a couple of days ago. I'm looking to get a relatively small loan for $3,000-$5,000. As you can see I pretty much don't have much of a credit score being that my only source of credit would be the credit card I just recently got. I tried going to my bank (BoA) and they told me they don't offer unsecured loans anymore. It must be unsecured since I don't have any collateral to offer. My bank told me to go to a credit union which I have yet to try but I probably will check out once they're back open after the holidays. I'm going to try SECU. Is there anywhere else I can check out?

I've tried LendingTree/prosper and that didn't work. I signed up for creditkarma and they were advertising something called one main financial but I read the reviews and it seemed like nothing but horror stories. I plan on paying back the loan in full in 3-6 months.

2 years, 7 months ago

jack754 - There are many loan options, depending on what exactly you need and what kind of finance you have.
There are many loan options, depending on what exactly you need and what kind of finance you have.
I also recently became interested in cash loans, did a little research, and the same day I found a cash advance information page that says I can get money from the comfort of my home, information I found on https://www.greenstarcash.com/payday-loans/mi/ . It is very convenient. The information I found on the site builds trust in lenders and I thought about starting with a small amount.

2 years, 7 months ago

poster - It's important to consider your income potential with government and non-profits vs. what you would get by switching jobs.

Example: Someone with $70,000 of loans (Assume both salaries are the same will year 7)

Person A starts out with a $40,000 a year job, and after 7 years at a govt agency, is promoted to manager at $60,000 a year.

Person B starts out at $40,000 a year but after 7 years of job hopping around, lands a job at $90,000 a year.

2 years, 1 month ago

jon07 - Having taken a loan, each person can get into a situation where he cannot repay the loan funds or have taken an accident caused debt. I think that this can happen to everyone, but not everyone finds a way out. In such situations, I recommend the service https://attorneydebtfighters.com/car-accident-leads-bankruptcy/ . They are good professionals who will help in any situation.

2 years ago

clearpathortho - Understanding how your family size impacts Income-Driven Repayment (IDR) plans is crucial. Larger families may qualify for lower monthly payments due to increased household expenses, while smaller families might have higher discretionary income. Click here to visit https://www.fesinc.org/calculators/idr for more information. By assessing these key considerations, you can make informed decisions about which IDR plan best suits your financial situation. Join our forum to share insights and experiences with others navigating student loan repayment. Together, we can empower each other to make the most of IDR plans and achieve financial stability.

2 months ago