Saturday, November 2, 2013

My Big Dumb Debt Story and What I've Learned

I've never written about personal finance here before. But why the hell not? I write about my kids, my marriage, my hypochrondriac freakouts. This isn't so much a "mom blog" as it is a "I'm-ignoring-my-toddler's-temper-tantrum-may-as-well-blog" kind of blog. So I'm just gonna write about whatever. Including our student loan debt and our struggles to get out from under it. Cool? Cool.


And post funny pictures of chickens because obviously

My name is Sarah. And I have student loan debt. When I graduated from college, the number was astounding -- almost $62,000. My husband was smarter than I and got more scholarships, so his debt load was smaller, but still substantial -- about $30,000. Thankfully, my husband's debt (if you want to qualify it as "his debt" and "my debt") is already gone. One of the reasons I love my husband so much is that he works hard for what he wants. He's steadfast and dependable and when he sets a goal for himself, he hustles to get it accomplished (sexy, right?) When he graduated college in 2007, he moved back in with his parents and threw nearly all of his monthly income at his debt load. He paid off his debt in just over two years. By the time we left on our honeymoon, he was completely debt free. He was responsible. Sexily responsible.

I, however, was not that responsible. Until I graduated, I gave absolutely no thought to how much debt I was taking on, or how much it would cost me per month to repay. The thought hardly ever occurred to me. All I knew was that I was going to college, and college cost money. The government was offering money, so I took it. And I would figure out how to pay them back later. How I would ever pay back sixty grand with an English degree, I never bothered to think about.

I realize that now. 

I don't think I could have given any less thought to my debt load if I had tried. I went out of my way at every step to avoid talking about debt or how much my college was costing me. When my dad told me flat-out my sophomore year that I should consider transferring, I was like but dad, this school has free breakfast during finals! This school is the BEST!. When other students would live off-campus to save money, I just lived wherever was closer to class. And the entrance counseling for federal aid? LOL. I just clicked and guessed and tried my hardest not to absorb anything it was telling me. I didn't get the terms I was agreeing to, I didn't know how I'd pay it back, and I tried my hardest not to think about it.

My reaction to the loan counseling: TL;DR

Denial. It's a helluva drug.

So I'd have to say the first lesson I learned from my extraordinarily stupid foray into student debt, is that you have to treat debt like it's a communicable disease. Do anything you can to avoid it. Work late, work overtime, live off campus -- live in a box, for God's sake. Just don't take on debt if you could ever possibly help it. And I could have. If I had gone to a cheaper school, or had applied for more scholarships, maybe I could have escaped with less debt, or maybe none at all, since my parents paid for some of my schooling. But I did literally no thinking ahead and just applied to whatever school had the major I wanted. (I ended up switching majors like four times anyway, so that criteria was pretty useless in the end.) Actually, scratch that -- I applied to my college because it had my major, but I enrolled because I liked the campus, the school was in the middle of a big city I wanted to explore, and there was a statue of Mother Theresa in one of their lobbies. Not kidding. I thought it was a sign from God, and maybe it was, since I met my husband during our time at the school newspaper. Still -- don't do what I did. Don't base one of the biggest investments on your life on the fact that you like its lobby.


Seriously cannot believe I just wrote that sentence. 

Anywho. If taking on debt is a necessity, and there's nothing you can do to avoid it, and you've done everything possible to minimize it as much as you can, then for the love of God, do what my husband did and throw as much money as you can at it, as quickly as possible, to crawl out from under it. The minimum payment is not your friend. Before we were married, Lou made probably $2k a month, if that. And every month he wrote a check for at least $1500, and usually more like $1700 or $1800. He paid his phone bill, bought his train ticket to work, and we occasionally went out for Thai food. That was it. His debt was gone in two years, and he saved thousands of bucks in interest as a result.

If I could do it all again, I would do what my little brother did. Our parents were generous enough to pay for a portion of our college; they saved up some money and divided it among my brothers and I equally. To this day, I still don't know how much he gave me, because like a dumb ass, I never bothered to ask. Money was taboo and I didn't want to look a gift horse in the mouth, so when my dad said I could afford a year or two at Loyola, I enrolled with no questions asked. Awesome, I thought. I'll ride on whatever my dad gives me, and then sign up for loans when it's gone. And that's exactly what I did. Don't ask, don't tell.



Jake, on the other hand, learned how much my dad was planning on giving him, exactly, to the cent. After high school, he delayed college for two years while he put himself through community college and worked full-time at Burger King to pay for school. He got all of his core credits completed for cheap, with his Burger King earnings, and all the while built up his photography portfolio in his spare time. When his core was complete, he applied for a scholarship at Columbia with that same portfolio, and won it. Between my parents' generosity, the school's scholarship, and his unbelievable hustle, he was able to go to his dream school and graduate with almost no debt. Jake had a plan, a budget, and ambition.

Meanwhile, I'm like

When I got married, I got the balls to look up my loan amounts on the National Student Aid website, and boy was that a rotten surprise. I think the final total was somewhere around $62k, although I was too buy puking and passing out to really let it sink in. Ouch.

Right in the net worth. 
I felt awful. My husband had worked so hard to pay down his debt and he had done a fantastic job. Now he was $60k in the hole again. I had buried my head in the sand instead of taking on an extra job and throwing extra money at it to bring down the total, and now we were both stuck paying it off for years to come -- maybe even decades. Oh hell no, I thought. I want babies. I want a house. Ain't nobody got time for this. I had my epiphany about four years too late, but at least I had it: Student debt sucks. Any kind of debt sucks. We had stuff to do. A life to live. Babies to raise. And Sallie Mae didn't factor into any of that.

Me and Sallie Mae. She's a harsh mistress.


So, Lou and I started throwing money at Sallie Mae like a cheap stripper. Every cent we made went right to her, and we hated it, but we made incredible progress in a very short amount of time. After I finished school and got pregnant with June, my parents invited us to live with them so that we could pay down our debt, and we accepted graciously. Two years later we're still living here, still throwing money at our loans (we actually paid the minimums for a year, so we could save up for a second car) and I'm psyched to say we have "only" $23k left to go. Right now Lou and I are doing everything possible to save more and pay everything off quicker -- I clip coupons, I make my own laundry soap, I cloth diaper, I freelance. And Lou as I write this is working overtime at his office, on a Saturday, so we can get that much closer to living our dream as homeowners. I'm proud of how hard we've worked and how far we've come, but we came by these successes the hard way.

So. Student debt blows. And I have a lot of it because I didn't make the smartest decisions. Don't do what I did. Plan. And save. And work your ass off. Pay more than the minimums. And get rid of it as quickly as possible.

I'll be over here, paying off my own debt, rooting for you.

81 comments:

  1. I'm kinda glad I didn't finish college. I didn't rack up too much in loans but my husband whoo! We are still paying it down and dumbass college kid credit card debt on my part. That capital one crap is killing us monthly.

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    11. Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

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  2. Honestly I'm just closing my eyes not thinking about Paul's (and he's now been in grad school for six years...). Because I just can't. I'll have a nervous break down if I do. When it comes up I basically mentally stick my fingers in my ears and hum. And the amount.. ugh. It makes your loans look soooooo responsible! I just... can't even... yeah...

    ReplyDelete
  3. Um, I love you. *fangirls*
    No, really. Be careful. I crush hard.
    I have paid off all my loan debt finally (TOOK TEN YEARS) but then we stupidly bought a house we can't afford. Because... we're stupid. GAAAAAA. I hate money. FUCK YOU MONEY.

    ReplyDelete
    Replies
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      Thanks,
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    2. How I Was Rescued By A God Fearing And Trusted Lender {Lexieloancompany@yahoo.com}..

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(816) 892-6958 Website: http://lexieloans.bravesites.com thanks, I am sure he will also help you.

      Delete
  4. I feel so lucky that I did what I didn't want to do when I was 18. I had applied to a school and gotten in, I went with my parents to the loan counseling and they told us what we'd have to come up with and my parents flat out said they couldn't do it. I was crushed, and ended up having to enroll in community college in the first week of August. I was humiliated - community college was where the losers went in my mind (in more than 10 years the perception of community college has changed drastically). In the end I basically went there for free because we could afford my 2 years there. I went to in state public school for my remaining 3 years with a few small scholarships and left school with 16k (my husband had the same without finishing his degree). Since my first jobs didn't pay much (though I was working in my field) we're not as far as I would like, but this last month we celebrated when we saw that we're both officially in the 9k digits. We plan on paying off in full once each loan get around 500-600 and the first is coming up soon and I'm budget crunching to find more money to throw and are hoping that in 3-4 years when my oldest is in kindergarten/1st grade we'll be done and able to throw that $400 a month into our mortgage. Our big goal is debt free (including mortgage) by 50.

    I don't know about you but my experience has changed how I look at my kids education - we're saving up some money (but not looking at being able to pay their ways - honestly we'd rather send them on foreign language trips and summer experience in high school), but already know that college is not something we're going to push. I'd rather have my kids get a technical degree and work through college once they really know what they want with that than go in from the start.

    ReplyDelete
  5. Yeahhh. I think this is common for people in our age bracket. I thankfully paid off my loans by the time my husband and I got married, but I had to make a decision when I was in school. After two years at the private college where I met my boyfriend, now husband, I decided to switch to a public state school as the tuition was 1/4 of the cost. My sister on the other hand, is still paying off her school loans and she's 2 years older than I am. So you definitely are not alone.

    ReplyDelete
    Replies
    1. Hello!

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      *E.T.C

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  6. My husband and I went to FUS, then both went to grad school, and we JUST paid off our student loan debts this past summer. It felt AWESOME!! It was a lot of work and scrimping, and took us 11 years to do it, but that's better than the 20 it was supposed to take us! Plus we had 5 kids and bought a house during those years, so ya know, life. I don't regret having to take out the loans though, I loved college (we met there) and those degrees got us the jobs to pay them off.

    ReplyDelete
  7. What an awesome post! I'm going to make all my teens read it! Thanks for sharing it and congrats for taking control!

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      Delete
    2. How I Was Rescued By A God Fearing And Trusted Lender {Lexieloancompany@yahoo.com}..

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(816) 892-6958 thanks, I am sure he will also help you.

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      We offer the following types of loans
      ​​
      *Debt Consolidation Loans
      *Business Loans
      *Personal Loans
      *Home Loans
      *Car Finance
      *Commercial Loans
      *Investments Loans
      *E.T.C

      Note:We give you loan with a low interest rate of 2% and loan duration of 1 to 20 years to pay back the loan .Do not keep your financial problems to your self in order for you not to be debt master or financial stress up, That is why you must contact us quickly for a solution to your financial problems. it will be a great joy to us when you are financially stable. Email {wesleyloancompany@yahoo.com}

      Delete
    2. How I Was Rescued By A God Fearing Lender {Lexieloancompany@yahoo.com}

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

      Delete
  11. We offer private loans, commercial Business and Personal loan, with a minimum annual interest rate of 3% for the period from 1 year to 15 years of maturity anywhere in the world. We give out loans ranging from $ 10,000 to $ 100,000,000 dollars in euros or sterling. Our loans are well insured for maximum security. interested persons reply to email (urgentloan22@gmail.com)

    ReplyDelete
  12. My Brothers and Sister all over the world, I am Mrs Boo Wheat from Canada ; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender DR PURVA PIUS that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business man, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you DR PURVA PIUS Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leader. You can Email him via,mail (urgentloan22@gmail.com) Please tell him Mrs Boo Wheat from Canada introduce you to him. THANKS

    ReplyDelete
  13. Do you need a loan, this is the right place for you to
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  14. i want to appreciate jackson west of accesscredits@yahoo.com for helping me to get an urgent loan i have been scammed total of $6700 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from Germany got her loan from the firm access credits and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet scammers now! if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc. contact the firm access credits via email.Accesscredits@yahoo.com

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    ReplyDelete
  16. I RECEIVED A LOAN FROM ATLANTA FINANCIAL SERVICES atlantafinancialservices@gmail.com

    I'm Saundra Davis by name, I'm from Sacramento, California. i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them until i met a honest and truthful lending company ATLANTA FINANCIAL SERVICES (atlantafinancialservices@gmail.com), they duped me of $5000 without giving anything in return, all my hope was lost, i got confused and frustrated, i found it very difficult to feed my family, i swear i would never have anything to do with loan companies on net again and never trusted any loan company again since i was scammed. So i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 48 hours, i couldn't believe it, i am happy and rich again and I thank God and am glad that despite the scams and ripoffs, a genuine company like this still exist. Please i advise everyone out there who are in need of a loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (atlantafinancialservices@gmail.com) and be free from scams on the internet. they will never disappoint you. Contact email: atlantafinancialservices@gmail.com

    Thank you for reading.

    ReplyDelete
  17. End your financial worries

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    ReplyDelete
  18. DO YOU NEED A LOAN?

    Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: hartgoldloancompany@gmail.com

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    ReplyDelete
  19. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

    Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
    They offer all kind of categories of loan they
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    When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

    ReplyDelete
  20. MY TESTIMONY FROM A LEGITIMATE MONEY LENDER

    Hello Everybody,
    My name is Mrs.Irene Query. I live in Philippines and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $150,000.00 to start my life all over as i am a single mother with 2 kids I met this honest and GOD fearing man loan lender that help me with a loan of$150,000.00 US. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Irene Query, that refer you to him. contact KELLY WILLIAMS,via email:(kellywilliawsfinancial@gmail.com) Thank you.

    ReplyDelete
  21. Hello,

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    ReplyDelete
  22. How i obtained a Loan from a Reliable Loan Company (Alexloancompany@yahoo.com

    Hello friends, I am Gab Foster by name and i really want to inform the world about this wonderful loan lender call Mr. Adolf Alex who helped i and my family to obtain a mortgage loan sum of $500K from his firm when we needed a turn around in our lives. I am from Texas U.S.A. I'm saying this because i and my family are really grateful for what Mr Adolf Alex ( Alexloancompany@yahoo.com) did for us. So I'm using this opportunity to tell and advise the entire world to contact this firm if you are in need of any kind of a loan such as: Business Loans, Personal Loans, Commercial Loans, Construction loans and more at 2% interest rate and they offer loans ranging from $2k to $10 million. I'm saying this to the world because his services is very trustworthy. He can be reach via email ( Alexloancompany@yahoo.com) or Text: +1 270-971-4478. Anybody around the world or organization can reach him to obtain any kind of loan today and make change in your life. Thanks everyone and may God continue to bless Mr. Adolf Alex forever

    ReplyDelete
  23. How i got my Desired Loan Amount from ( calviinloancompany@gmail.com ) Hello everybody, I am Maria Hardy Kanellis from Oklahoma U.S.A. I am a widow at the moment with two kids and i was stuck in a financial situation on November 2015 and i needed to refinance and pay up my bills and buy a house here in Oklahoma. I tried seeking for loans from various loan lenders both private and corporate but never with success, and most banks declined my credit. But as God would have it way, i was introduced to a lender Called Calvin Scott Loan INC by a friend named Eileen Fisher who got a loan from them and contacted them as instructed and to my greatest surprise, i got a loan sum of $470,000.00 and today am a house owner and my kids are doing well. So my friends, if you must contact any lending company with reference to securing a loan with low interest rate of 2% and better repayment plans, contact Calvin Loan INC ( calviinloancompany@gmail.com ) He offers all kinds of loans You can contact him through his email via: ( calviinloancompany@gmail.com ) Tel: (+1)501-429-4519 or webpage: http://calvinfinancialloanhome.bravesites.com/

    ReplyDelete
  24. Affordable Loan To Get Your Financial Problem Solved { Clydesdaleloancompany@yahoo.com }



    Hello everybody, I am Tarsha Dannis Bank , from Mississippi ,Ontario USA. I am a widow at the moment with two kids and i was stuck in a financial situation and i needed to refinance and pay up my bills and buy a house here in Oklahoma. I tried seeking for loans from various loan lenders both private and corporate but never with success, and most banks declined my credit. But as God would have it way, i was introduced to a lender Called George Clydesdale by a friend named Adam Ken Fisher who got a loan from them and contacted them as instructed and to my greatest surprise, i got a loan sum of $349,000.00 and today am a house owner and my kids are doing well. So my friends, if you must contact any lending company with reference to securing a loan with low interest rate of 3% and better repayment plans, contact George Clydesdale Loans LLC ( Clydesdaleloancompany@yahoo.com ) He offers all kinds of loans You can contact him through his email via: ( Clydesdaleloancompany@yahoo.com ) or Tel: (347) 708-8926 or visit there webpage http://georgeclydesdaleloans.bravesites.com/

    ReplyDelete
  25. GOOD DAY EVERYONE

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    Note:that all mail must be sent to:
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    Thanks and God Bless .
    Hart Gold

    ReplyDelete
    Replies
    1. How I Was Rescued By A God Fearing Lender (Lexieloancompany@yahoo.com)

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

      Delete
  26. GOOD DAY EVERYONE

    Are you financially squeezed?
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    If you have any of the above problems, we can be of assistance to you but we want
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    Contact Email :hartgoldloancompany@gmail.com
    Note:that all mail must be sent to:
    hartgoldloancompany@gmail.com

    Thanks and God Bless .
    Hart Gold

    ReplyDelete
  27. Greetings to everyone reading this comment!!!

    I am Lee-Roma Swan by name. I am out here to recommend the effort of Gregory Hagan,I was in need of a consolidation loan amount of $35,000 and as soon as I got in contact with Gregory Financial Investment® on Tuesday last week and on Friday last week as well I receive an alert from my bank (Lee-Roma Swan) that the fund was transferred,I want everybody out there that needs loan to contact Gregory Hagan. now via email on how to get a loan because I got my loan from them and I am very happy,so contact them now via Email: greghagan687@gmail.com

    Regards,
    Lee-Roma Swan

    ReplyDelete

  28. ¿Está buscando un préstamo de negocios? préstamo personal, préstamo de la casa, préstamos de automóviles, préstamos estudiantiles, préstamos de consolidación de deudas, préstamos sin garantía, capital de riesgo, etc .. O que han sido negado un préstamo por un banco o una institución financiera por cualquier motivo. Soy John Williams, un prestamista privado, los préstamos a empresas y particulares en una tasa de interés baja y asequible de la tasa de interés del 2%. ¿si está interesado? Contáctenos hoy en (johnloanfirm101@outlook.com) y obtener su préstamo hoy

    ReplyDelete
  29. Are you looking for a business loan? personal loan, house loan, car loan, student loan,debt consolidation loan, unsecured loans, venture capital, etc. .. Or have you been refused a loan by a bank or a financial institution for any reasons. I am john williams, a private lender, lending to businesses and individuals in a low and affordable interest rate of 2% interest rate. if Interested? Contact us today at (johnloanfirm101@outlook.com) and get your loan today

    ReplyDelete
  30. Dear:

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    ReplyDelete
  31. Hello

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    ReplyDelete
  32. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

    Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
    They offer all kind of categories of loan they
    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........(wilsonedwardsloancompany@gmail.com )
    When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

    ReplyDelete
  33. if you need loan, financial assistance, money to pay your debts or buy a car, money to pay your fees or other costs, you have an opportunity now to enjoy our easy loan offer program.
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    ReplyDelete
  34. Good day Audience,
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    I am Carolyn V. Metnick,from Ohio USA, i want to use this great medium to announce this lender Elvin Morrison who is really a God sent to my family. few months back i was in search of a loan from the internet where i was scammed of $3250.00, i never thought i will ever apply for a loan on the internet again before i met a post about this lender made by one Maury who also got a loan from them, then i took a try again, after loan processing i was ask to provide my banking details which i did and to my greatest surprise i was granted a loan of $45,000.00 at first i thought it was a joke until i got to the bank to confirm and it was true, i was overwhelmed with joy. so i want you all who desire a loan and are capable of paying back the funds at the due time to contact: elvinloancompany@yahoo.com or on page http://elvinloancompanys.bravesites.com or Tel:+13072132540 and be a partaker of my testimony ....

    ReplyDelete


  35. GOOD DAY


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    Country:

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    Note:that all mail must be sent to:
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    Thanks and God Bless .

    CURTIZ MORGAN


    ReplyDelete



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    ReplyDelete



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    ReplyDelete


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  39. HELLO,

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    LOAN CONSULTANT

    ReplyDelete
  40. Hello there,
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    ReplyDelete
  41. Good day,
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  42. Hello.

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    ReplyDelete
  43. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

    Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
    They offer all kind of categories of loan they
    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........(wilsonedwardsloancompany@gmail.com )
    When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

    ReplyDelete
  44. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

    Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
    They offer all kind of categories of loan they
    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........(wilsonedwardsloancompany@gmail.com )
    When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

    ReplyDelete
  45. I just receive my loan of $50,000 from Mr john, after I was let than by other lenders, Mr john Have really put a smile on my face, now I can take go care of my business and others personal needs, you can contact him with his email via johnloanfirm101@outlook.com contact him now for your loan he is a legit loan lender

    ReplyDelete
  46. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

    Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
    They offer all kind of categories of loan they
    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........(wilsonedwardsloancompany@gmail.com )
    When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

    ReplyDelete
  47. I am Pastor Gustavo, a private Loan Lender that offers loan of any kind. We offer online financial services to clients in Asia, America, Europe and Africa at an affordable interest rate.

    Do you have an unfinished project?
    You need money to expand your business?
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    * with a recognized loan company

    * very low percentage of 2%

    * duration of payment (1-30)years

    * commence payment after 8 months

    preliminary reply to mail under 24 hours,
    loan grant is given 48 to 96 hours after accepting terms and condition
    Register with us a licensed firm known globally for it's loan grant

    email:pastorgustavoloancompany247@yahoo.com

    Best Regards.

    ReplyDelete
  48. I am Pastor Gustavo, a private Loan Lender that offers loan of any kind. We offer online financial services to clients in Asia, America, Europe and Africa at an affordable interest rate.

    Do you have an unfinished project?
    You need money to expand your business?
    You need money to pay your debt?
    Do you need a loan that is accessible, reliable, durable

    * with a recognized loan company

    * very low percentage of 2%

    * duration of payment (1-30)years

    * commence payment after 8 months

    preliminary reply to mail under 24 hours,
    loan grant is given 48 to 96 hours after accepting terms and condition
    Register with us a licensed firm known globally for it's loan grant

    email:pastorgustavoloancompany247@yahoo.com

    Best Regards.

    ReplyDelete
  49. Good day ladies and gentle men am Mr Detlev Jonas a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 3%. Bad credit acceptable,The Terms and Conditions are very simple and considerate. You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don’t you try Mr Detlev Jonas Loan and be free from debts, Any interested clients should contact me Asap via Email: ( detlevjonasfunds@outlook.com) for further proceeds. Please fill the below application form and get back if interested and you will be glad of knowing a loan lender like Mr Detlev Jonas

    BORROWER’S DATA

    1. Full Names:............................
    2. Contact Address:.......................
    3. Loan Amount Needed:....................
    4. Duration of the Loan...................
    5. Direct Telephone Number:.................

    I will be looking forward to hear from you so as to
    proceed.

    Kind Regards

    Mr Detlev Jonas

    ReplyDelete
  50. 16 down Bank street,
    Clifford Chance London,0
    U.K.

    * Are you financially Squeezed?
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    * Do you seek finance to set up your own business?
    * Are you in need of private or business loans for various purposes?
    * Do you seek funding for various other processes?
    * Choose between 1 to 20 years to repay.
    * as low as 2% interest rate

    We give out loans to all categories of people, firms, companies,schools, industries

    etc.

    we finance your business/homes at very cheap and moderate rates, We are trusted,

    reliable and dynamic,contact us now E-mail:smithdevo6@gmail.com

    Regards,
    smith devo
    Director.

    Re:Loan Offer

    ReplyDelete
  51. Thank you for some other informative website. The place else may just I get that kind of information written in such a perfect method? I have a venture that I am simply now running on, and I’ve been at the glance out for such info. vedligeholdelsesfrit havehegn​

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  52. Urgent loan offer at 3.09% interest rate, apply now and get your loan. The Terms and Conditions are very simple and considerate. Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations. I want you to understand the fact that i Mr Hubert Pawel is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Mr Hubert Pawel Loan Sharking Investment Service and be free from debts any interested client should contact me via email(loansharkinginvestment@yahoo.com) Asap

    ReplyDelete
  53. Good everyone.
    My name Mrs, Renee Phillips, i am from USA CA , i am married, i have been searching for a genuine loan company for the past 2 years and all i got was bunch of scams who made me to trust them and at the end of the day, the took all my money and left me moneyless, all my hope was lost, i got confused and frustrated, i lost my job and find it very difficult to feed my family, i never wanted to do anything will loan companies on net anymore, so went to borrow some money from a friend, i told her all that happened and she said that she can help me, that she knows a loan company that can help me, that she just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my surprise i got the loan in 24 hours, i could not believe my eyes, i am happy and rich today and i am thanking God that such loan companies like this still exist upon this fraud stars all over the places, please i advise everyone out there who are in need of loan to go for Mr. Robert .M. Clark Email via ; ( robert.clark071@gmail.com ). he did not know am doing this for him,but i just have to do it because a lost of people are out there who are in need for a loan., they will never fails, your life shall change as mine did.

    Thanks and Good Luck.

    ReplyDelete
  54. Hello!

    Do you seek funds to pay off credits and debts ? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Wesley Loan Company is the answer. Email (wesleyloancompany@yahoo.com)

    We offer the following types of loans
    ​​
    *Debt Consolidation Loans
    *Business Loans
    *Personal Loans
    *Home Loans
    *Car Finance
    *Commercial Loans
    *Investments Loans
    *E.T.C

    Note:We give you loan with a low interest rate of 2% and loan duration of 1 to 20 years to pay back the loan .Do not keep your financial problems to your self in order for you not to be debt master or financial stress up, That is why you must contact us quickly for a solution to your financial problems. it will be a great joy to us when you are financially stable. Email {wesleyloancompany@yahoo.com}

    ReplyDelete
  55. Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

    ReplyDelete
    Replies
    1. How I Was Rescued By A God Fearing And Trusted Lender {Lexieloancompany@yahoo.com}..

      Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(816) 892-6958 Website: http://lexieloans.bravesites.com thanks, I am sure he will also help you.

      Delete

  56. Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: quickcashinvestment2933@gmail.com

    Thanks

    ReplyDelete
  57. How I Was Rescued By A God Fearing Lender {Lexieloancompany@yahoo.com}

    Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(406) 946-0675 thanks, I am sure he will also help you.

    ReplyDelete
  58. HOW I GOT MY LOAN FROM THIS GREAT COMPANY

    Hello my dear people , I am Anita Frank, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. Wilson Edwards the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr. Edwards if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (wilsonedwardsloancompany@gmail.com) No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. Wilson Edwards today for your loan
    They offer all kind of categories of loan they
    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........(wilsonedwardsloancompany@gmail.com )
    When it comes to financial crisis and loan then Wilson Edwards loan financial is the place to go please just tell him I Mrs. Anita Frank direct you Good Luck.......................

    ReplyDelete
  59. How I Was Rescued By A God Fearing And Trusted Lender {Lexieloancompany@yahoo.com}..

    Hello, I am Andrew Thompson currently living in CT USA, God has bless me with two kids and a lovely Wife, I promise to share this Testimony because of God favor in my life, 2days ago I was in desperate need of money so I thought of having a loan then I ran into wrong hands who claimed to be loan lender not knowing he was a scam. he collected 1,500.00 USD from me and refuse to email me since then I was confuse, but God came to my rescue, one faithful day I went to church after the service I share idea with a friend and she introduce me to LEXIE LOAN COMPANY, she said she was given 98,000.00 USD by MR LEXIE , THE MANAGING DIRECTOR OF LEXIE LOAN COMPANY. So I collected his email Address , he told me the rules and regulation and I followed, then after processing of the Documents, he gave me my loan of 55,000.00 USD... So if you are interested in a loan you can as well contact him on this Email: Lexieloancompany@yahoo.com or text +1(816) 892-6958 thanks, I am sure he will also help you.

    ReplyDelete
  60. Affordable Loan To Get Your Financial Problem Solved { Clydesdaleloancompany@yahoo.com }

    Hello everybody, I am Tarsha Dannis Banks , from Mississippi ,Ontario USA. I am a widow at the moment with two kids and i was stuck in a financial situation and i needed to refinance and pay up my bills and buy a house here in Oklahoma. I tried seeking for loans from various loan lenders both private and corporate but never with success, and most banks declined my credit. But as God would have it way, i was introduced to a lender Called George Clydesdale by a friend named Adam Ken Fisher who got a loan from them and contacted them as instructed and to my greatest surprise, i got a loan sum of $349,000.00 and today am a house owner and my kids are doing well. So my friends, if you must contact any lending company with reference to securing a loan with low interest rate of 3% and better repayment plans, contact George Clydesdale Loans LLC ( Clydesdaleloancompany@yahoo.com ) He offers all kinds of loans You can contact him through his email via: ( Clydesdaleloancompany@yahoo.com ) or Tel: (347) 708-8926 or visit there webpage http://georgeclydesdaleloans.bravesites.com/

    ReplyDelete

  61. Hello Every One,

    My Name is Mrs Barbara Arnold, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr John Hawkins who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $35,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr John Hawkins and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man Email him: johnhawkinsloans@gmail.com

    ReplyDelete