Student-loan debt

It’s hard not to notice one of the prevailing narratives coming out of the Occupy Wall Street protests: the weight of student debt. As one scholar summed up the grievances at the “We are the 99 percent” blog through a computer-scripted textual analysis: “Free us from the bondage of our debts and give us a basic ability to survive.”

The current amount of borrowing and student debt has prompted a national conversation over whether these burdened students brought their misfortunes among themselves through poor decision-making or whether they are victims of a system that has failed to deliver on the promise of higher education as a surefire means to a stable, decently paying job. Others still are questioning the notion that obtaining a college degree is even worth the cost at all.

Just how pervasive and burdensome has student debt become in recent years? Here are five things to know:


1. Tuition is rising – fast.  

College tuition across the country has been steadily climbing in the past few years. The average cost of tuition and fees for colleges across the country has grown by more than 400 percent between 1985 and 2005, with costs doubling over the last decade. The rise in tuition has greatly outpaced the rate of inflation as well as medical, energy and housing costs, according to a study by Moody’s Analytics (pdf). In one of the starker examples of tuition hikes over the years, author Michael Lewis notes in his new book, “Boomerang,” that “in 1980 a [University of California] student paid $776 a year in tuition; in 2011 he pays $13,218.”

Exactly why tuition has been increasing at such great speed depends on a variety of factors. Four-year universities generally receive income from a number of sources: state and federal appropriations, alumni giving, endowments and, of course, student tuition. As the recession caused state budgets and university endowments to shrink (university endowments on average reached their lowest point since the Depression in 2010, reports BusinessWeek), colleges have had to make up the cost elsewhere. Moreover, high-profile schools often face pressures to attract and retain top talent by expanding their campuses, building state-of-the-art facilities and increasing services, leaving students to help foot the bill where endowments and other funding fall short. In the high-demand world of education, there are no market forces that compel colleges to push down costs.

Colleges also use student tuition to fund financial aid for financially disadvantaged students, which theoretically creates a bit of a vicious cycle: If schools with funding shortages want to attract bright students with financial need, they need to raise tuition higher yet to cover the cost of providing for these students. Recently, however, reports are revealing that many universities are now putting a stronger emphasis on admitting students who can pay for themselves.

2. While most consumer borrowing has slowed, student loan borrowing continues to grow.

Shrinking funds and limited grants are prompting students nationwide to borrow more and more to get through their education. The aggregate amount of all student loan debt in the country is likely to clear $1 trillion in the coming months. Student loan balances are highest in California and the Northeast, but are rapidly rising in regions like the Southwest. Moody’s Analytics’ July 2011 report found that while aggregate consumer lending balances have gone into decline since 2009, student loan balances continue to grow at a steady rate of more than 10 percent per year. The report also estimates that the pool of borrowers will likely continue to grow at a rate of 2 percent per year.

The economics behind a push for borrowing and obtaining higher education are fairly simple: In tough economic times, the conventional wisdom for those facing unemployment or underemployment is to go back to school, wait until the wave passes, and hopefully graduate with extra skills and credentials that give them an edge in finding employment as recovery begins to pick up. But if long-term economic prospects are dim, as they are proving to be in the current economic downturn, graduates emerge from school with a heavy debt load and few means of paying it off.

So exactly how many students get saddled with debt after graduation, and by how much? Studies from the Project on Student Debt show that 67 percent of students graduating from four-year colleges in 2008 had student loan debt, a 27 percent increase from four years prior. The graduating class of 2011 alone had the highest estimated average student debt at $22,900, according to Mark Kantrowitz of Fastweb.com and FinAid.org – an 8 percent growth from last year and an inflation-adjusted 47 percent increase from just ten years ago.

Not surprisingly, the combination of high student debt and low job prospects has resulted in a spike in federal student loan defaults, with the default rate reaching 8.8 percent in 2010 – the highest rate in more than a decade.

3. Private loans and for-profit colleges are the riskiest choices — but they too are growing.

Loans are typically divided into two categories: federal loans and private loans. Federal educational loans are capped, and interest rates are fixed anywhere from 3.4 to 7.9 percent, depending on the type of loan. However, there is no set limit on the amount of private loans one can take out, or on the interest rates banks can charge for them — and interest rates can change over the years. Private loans are by far the riskiest option a student borrower can make, but private loan borrowing has increased significantly among college undergraduates in recent years. According to the Project on Student Debt, 14 percent of undergraduates took out private loans in the 2007-2008 academic year, up from just 5 percent four years prior. African-American undergraduates were the most likely group to take out private loans, comprising 17 percent of all private student loan borrowers that year.

One of the primary problems with private loans is that it is notoriously difficult to shed once a person has it. In 2005, Congress passed the Bankruptcy Reform Act, which exempted private student loans from being discharged when a person declares bankruptcy. Last year, Representative Steve Cohen (D-Tenn.) introduced to Congress HR 5043 – the Private Student Loan Bankruptcy Fairness Act. The Act would allow private student loans to return to their pre-2005 status, eligible to be discharged in bankruptcy alongside other types of consumer debt. The Act, however, has not yet passed a vote in Congress.

Congress has also been working to enact protections for students at for-profit colleges, where more than half of student loan defaults originate. Critics have accused these schools of targeting low-income and minority students for recruitment to bring in funding from financial aid but have few job prospects upon graduation. Attendance at for-profit schools has exploded in recent years — Moody’s notes that though for-profit enrollment still makes up less than 10 percent of the total, the for-profit enrollment volume has tripled over the past 10 years.

In recent years, the Obama administration has passed several regulations that restrict schools from paying recruiters based on the number of students they enroll, and place a higher mandate for states to monitor these schools’ practices. Most recently, it enacted a rule that restricts federal aid for institutions where less than 35 percent of former students are making loan payments each month and where estimated annual loan payments exceed 12 percent of students’ earnings after graduation. The so-called “gainful employment” rule goes into effect July 2012.

4. Community college students face debt problems of their own.

Of course, high-profile, expensive four-year colleges that can require heavy debt burdens are not the only means by which students can get an education. State schools and community colleges are generally more affordable ways to obtain a college degree and competitive skills for the job market. The age of austerity begs the question: “Why end up with tens of thousands of dollars of debt for a brand-name school when you can get the same degree at half the price?”

For middle-class students looking to find ways to cut costs, community colleges are a thrifty option. But for low-income students who generally make up the bulk of the community college population, educational finances are still a problem. Students at community colleges are just as likely to need financial aid as students at other institutions, but have many fewer options to obtain it. A report from The Institute for College Access & Success (pdf) found that while community college students are more likely to receive federal Pell grants, reserved for financially needy students, they are less likely to receive institutional grants, work-study opportunities or state grants. The report states that community college students are less likely to take out federal loans to fund their education, either because they are hesitant to borrow, do not know that they are eligible for federal financial aid, or because some schools do not participate in federal loan programs. In many cases, students who are eligible for federal student loans end up taking out riskier private loans instead.

5. A higher education bubble on the horizon?

With soaring tuition, borrowing and default, fear of a bubble in higher education spending has proven to be “one of the year’s most fashionable ideas.” The idea that an education bubble could burst in the same manner as the housing market did made headlines earlier this year when businessman Peter Thiel, co-founder of PayPal, established the Thiel Fellowship to offer a select group of young adults $100,000 each not to go to college and start companies instead. In an interview with the National Review, Thiel said:

[The education bubble] is, to my mind, in some ways worse than the housing bubble. There are a few things that make it worse. One is that when people make a mistake in taking on an education loan, they’re legally much more difficult to get out of than housing loans. With housing, typically they’re non-recourse — you can just walk out of the house. With education, they’re recourse, and they typically survive bankruptcy. If you borrowed money and went to a college where the education didn’t create any value, that is potentially a really big mistake …

In response to Thiel’s ideas, Slate’s Annie Lowrey scoffed at the idea that current trends in educational borrowing are similar to the subprime mortgage crisis:

It could be that Thiel is right, that college students, en masse, are overpaying for their educations. But it seems more likely that some college students attending certain types of schools are overpaying. If you want to be an aerospace engineer and have the chops to get into Caltech, the quality of the education, contacts, and fellow students on offer might really be worth $200,000 to you. A diploma from the school practically guarantees a good salary.

That is not true for many other institutions—particularly not for online, for-profit schools, the worst of which egregiously overcharge for worthless degrees … But that marketplace is rapidly changing. The federal government is cracking down. Share prices for such companies have plummeted. Students have gotten savvier. Low-cost, high-quality competitors have entered the market. It might take some time. But tuition should drop too.

But what of the loan bubble, the outstanding pool of nearly $1 trillion in debt students have racked up paying those spiraling tuitions? It is worrisome, but mostly for the individuals on the hook for ballooning payments, not for the whole financial system, as with mortgage-backed debt.

While the debate rages on over whether an educational bubble is really on the brink of bursting, it may be much clearer to see how trends in debt and educational payoff are causing major shifts in the idea of education in American culture. Far from yesterday’s assumption that all education is valuable education, and that paying a premium for a degree from a prestigious university is a safe investment for a secure, well-paying job, today’s resounding advice is much different: choose your field of study carefully, consider affordable options above prestige and don’t make the assumption that a degree from a high-profile institution will grant significant employment advantages.

 

Comments

  • Nbamj

    Look at when government started giving monies for college and that’s when the prices started to soar.  The colleges got greedy and wanted in on that “free” gov. money so they started raising their costs.  Just like when I was a labor and delivery nurse and had an infant of my own and had to buy formula that the doctor recommended for my child at the time because of jaundice.  One week it was .79 a can the next $1.67.  I went to work and asked “what gives?”  The other nurse said, “oh.. that formula was WIC approved last week.”  Colleges did the same thing!!!

  • Anonymous

    disagree.  Colleges started meeting the demands of the consumer at that time.  If little johnny wants a private bathroom, then little johnny gets one…. and he’ll need a tutor, and free health care, and and and and. 

  • Ritarig

    What is not noted here is that student loans are not forgiveable when one declares bankruptcy.  It’s like taxes–no relief.   How about going to a vocational school, learn a trade, make enough money to go to college if you still want to.  Not everyone is college material, but mommy and daddy don’t want to hear that their precious darling should be a mechanic–which is what s/he wants to do anyway.

  • Sleepless in Kentucky

    went back to college @ 55 to complete a Bachelor’s degree hoping it would help break the chains of poverty…three years (and $8900 remaining balance on student loan) later…no gainful employment and no prospects for this soon-to-be 58 year old…so tired of trying, only to find that the bar keeps getting  raised higher

  • Tunacasserole

    i have no sympathy for undergraduate students who pay (borrow) big bucks for college. it is an unnecessary luxury unless you have such profound special needs or limitations that can not be provided for by community or state institutions, you are just a spoiled brat brainwashed by the school and your parents that you are somehow entitled to a free ride at the country club of your choice.

  • Cleap

    and mechanics usually make good money: sometimes more than the average public school teacher, which requries a four-year degree…

  • anonymous.

    Not true. As someone who has had to borrow money, I know the situation. My Father died when I was a teenager and the state barely gives me any money nor does the community. I’ve had to pay what I could out of pocket and borrow the rest, I had no choice. I’ve worked my way through college full time for 7 years and am just now graduating because I’ve only been able to afford a few semesters at a time before I would have to take a financial break. Some people over-borrow, yes. I never have. I think it’s ridiculous that people always assume that kids with loan debt are just lazy jerks living off of the u.s. education money. I’m not living in luxury–I’m struggling to get by because my loan payments are astronomical. 

  • “Spoiled Brat”

    was not asking for sympathy from you or anybody…and I do not belong to a country club you self-righteous tunahead!

  • Egghead

    It is noted in the article, twice. I don’t think you read the article very carefully.

  • Lexiemonkey

    I had to borrow on my loans and believe me it was not a choice I’d make again.I am not a spoiled brat.What some people do not realize is the fact our economy sucks and when your let go from a job and can’t find a new one your screwed.

  • http://pulse.yahoo.com/_CQEISZUHQRAMNNAAA2W4S3UGYQ Temet Nosce

    Its not as simple as that Tunacasserole, yet I see where you are coming from.  The truth is, that the world is becoming increasing harder and harder to live in.  For a lot of people like myself, who owe money, the debt seems insurmountable to overcome in this economy.  I might have to eat just Tuna Casserole for the rest of my life, just to survive!!!

  • Kentucky Blue

    Apology to “Tunacasserole” for the “Tunahead” reference.  The internet is a powerful tool, but, can oftentimes lead to spontaneous combustion, when emotions are involved…I am better than that.  I apologize.
     

  • http://www.davidgagne.net/ DVG

    Tuition is rising quickly.  Fast is an adjective.  Quickly is an adverb.

    But, of course, the fact that nobody cares explains why everything about education in America is failing.

  • Ealampman

    It’s really quite simple. This is the new formula: either don’t get a higher education and therefore don’t get into student-load debt, OR try to better yourself and your life (we aren’t just talking about jobs here. what about the value of expanding your brain, your worldview . . . you know, learning?) and incur student-loan debt, and lots of it. With the rising costs of tuition, even an “affordable” school becomes something a young person cannot any longer save for and pay for by having a summer job and working part time while attending classes. That is what’s wrong, plain and simple.

  • KMP

    I work for a college; specifically, running the department responsible for collecting tuition.  I’ve been in the industry for close to 15 years, and I have seen a definite shift in WHO takes responsibility for paying tuition.  15 years ago, if the family could not cover the bill with savings, over 90% of families chose to cover the difference using a PARENT loan in addition to the modest Federal Stafford Loans available for students.  Today, it is the opposite.  Parents seem to have enough of their own debt and specifically want the students to borrow private loans (at a higher interest rate that a parent loan) in addition to the Stafford Loans.  A downturn in the economy has lead to some of this shift, but it started well before the downturn did.  It’s my personal opinion, based on observation, less and less people save for their childrens’ college costs.  We as a society have placed too much value on immediate gratification, as assume that we’ll “just get a loan” when necessary expenses come up.  I’m aware it is a generalization, and am very aware of those who truly needed to borrow student loans due to family circumstances, but I believe far less students would have had to borrow to the extent they did had there been less new cars, oversized homes, and new furniture in some family budgets.

  • Elphaba78

    I am 32 and after 13 years of trying am still a year and a half from reaching my B.A.  Why has it taken so long?  Because I’ve had to work full time since I was about 16.  Yes, 16.  I was still in high school, worked two part time jobs to help my struggling family AND graduated with a 3.8 GPA.  Yes, I’m proud of that.  But like you, I’m frustrated that it’s been so difficult to obtain the degree that I thought would free me from this life. My point being, not all students are freeloaders. A lot of us are adults who have been working our butts off for a very long time. We’re a part of the student population that is often ignored.  As for all the commentary about community colleges being cheaper and whatnot, it is true that they are, but most only offer an A.A degree which is basically useless in the job market.  

  • Mark

    http://oxforddictionaries.com/definition/fast

    The Oxford Dictionary disagrees with you.  Fast is, and has always been, an adverb.  Not all adverbs end in “-ly.”  But otherwise I agree with your general sentiment.

  • PrivilegedPoor

    My daughter is a senior in high school right now, and we are in the midst of the college application process. Our current experience proves it is a fallacy that private, “brand-name” colleges are only for the rich. Most are trying very hard to increase economic and cultural diversity at their institutions. They have need-blind admissions policies and with their hefty endowments are able to offer generous–often loan-free–financial aid packages. Together my husband and I have never earned more than what is considered the median family income for our small city in the Midwest, and since the economy crashed we have been subsisting on two part-time jobs and have not been able to put anything additional aside in our daughter’s already meager college savings account. But because she is an excellent and motivated student, she is being “recruited” by several private schools, any of which will end up costing less than the state university that we both graduated from.

  • Ejs4732

    Simple cost benefit analysis, go in with your eyes open and if the field your considering has a lower salary then perhaps a lower priced state school and/or community college is a wiser choice. Financial enslavement is crippling, avoid it at all costs.

  • Peckcmpvc

    Just what I need to hear when I have one at a community college and another (undecided) going next year.  Who needs all that debt?  It’s the trying to keep up with the Joneses that puts we working and middle class people into debt.  Remove the stigma of attending a community college and/or learning a blue collar trade instead of feeling your kid absolutely has to go into the white collar, 9 to 5, treadmill in order to be accepted.  It’s not for everyone.  What’s important is to be a hard-working, law abiding person who gives back to the community.  

  • Peckcmpvc

    The people who “work the system” ruin it for the rest of us.

  • Anonymous

    There they go again!

    Rising college costs really accelerated after then California Governor Reagan targeted higher education in response to Vietnam protests.

     He called protesting students “brats,” “freaks,” and “cowardly fascists.” And when it came to “restoring order” on unruly campuses he
    observed, “If it takes a bloodbath, let’s get it over with. No more appeasement!    
        
    Several days later four Kent State students were shot to death. In the aftermath of this tragedy Mr. Reagan declared his remark was only a “figure of speech.” He added that anyone who was upset by it was “neurotic.” He then began dismantling support for higher ed by:
    a. calling for an end to free tuition for state college and university students,         
    b. annually demanding 20% across-the-board cuts in higher education funding,
    c. repeatedly slashing construction funds for state campuses
    d. engineering the firing of Clark Kerr, the popular President of the University of California, and     
    e. declaring that the state “should not subsidize intellectual curiosity

    Also, stock held private colleges like the online “university” of Phoenix expect large profits, and often do, at the students’ and taxpayer’ often huge expense.

    Kiplinger, which offers financial advice, reported that 39 of the top 100 four-year public colleges charged about the same or less than the average annual in-state full price, which was $15,213. Many were a lot lower.

    The average total per year for a student in a PRIVATE school is
    $35,600, according to the non-profit College Board, which owns and administers the SAT as well as other exams and programs.

    1 Timothy 6:10,  “The love of money is a root of all kinds of evil”

  • J.V. Hodgson

    All I can contribute here is a personal situation where we were able to fund our sons ability to get a Phd
    The first four years at Rochester cost $20,000 for fees and onsite accomodation in the first 2 years, he then moved to rented accomodatioThe average cost fees accomodation and food plus abit of spending money was on average $32,000
    1993-1998 Bsc Moved to pennstate for masters and Phd Including the stipend of those 4 years we paid around $16,000 for 4years and the stipend was about the same. the result is 8 years *$32k = $256,000 is what it costs. Bsc half that and all payable, for masters and Phd cost us another $64K = $192K.
    Thats a hellof a cost  for most people to save over the first 20 years of a childs life
    We wereluck both my wife and I had good jobs and little nest eggs via parents that helped save the money.
    In todays economic America something has to be done when the equivalent cost in China is zero on fees and UK $15k for a three year BSc course plus accom etc.
    Regards,
    Hodgson.

  • Anonymous

    The United States accounts for 47 percent of the world’s total military spending, however the U.S.’s share of the world’s GDP is about 21 percent

  • Mona-bb_2010

    You still have to have the money to go to vocational school, I don’t think they are giving those away for free

  • Williams_judith

    There is a law that says the government has to repay your loan if you make under a certain income. There is paperwork to fill out. I did this because at 62 and living in a rural area I just haven’t been able to find work so I decided to retire. I realize a lot of people will find fault with me for shirking my responsibilities and increasing the burden on society but I didn’t feel I had a choice. I have worked hard all my life, paid all taxes and been an obedient citizen. Now I will live the best I can on SS and still contribute what I can when I can.

  • Oxana

    i went to a community college and then a state university, and somehow still ended up with 40k in student loans! No doubt, I have made some bad choices along the way. But i also didn’t have a family to help me or a parents house to live in…And I worked through out my years in school. I was influenced by the idea that I was “investing” in my future. My reality now – I am a contractor that gets paid less than $10 per hour. And I am way better than my employer, but he has a firm, equipment and a name. And I can’t even sign my work, because he signs it. And I would love to start my own business, but who would give me a loan, when I already have 40k and can’t even afford to pay it back…

  • http://www.education4military.com Joe_Cool

    Agreed! I am currently having this problem with a 40 hr. week 9-5 job, I’d like get higher degree but the cost too much of a burden, I can only imagine what the current students have deal with.

  • Just Me

    While I know there are hardship cases (just reading the comments, I
    can see there are), I just don’t have the sympathy to be paying off my
    own loans and then have to pay off someone else via my taxes..  I’ve seen too many students who accept the highest loan amount offer they can get, then go buy high end sound systems for they’re home theater.  I even had one  roommate who couldn’t come up with the cash to pay for his half of the electric bill, but had no problem maxing out a couple credit cards to buy new electronics because he was bored with what he had.  His goal for after college: declare bankruptcy to wipe the loans and credit card debt, and then wait the 10 years for his credit to clear.  He had it planned that way from freshman year. 

    I spent 5 years at a state school and graduated last year.  Yeah, I have some debt, but I am confident that I will pay it off in a timely manner as my older siblings have done with their non high end jobs.  One works at The Home Depot, the other at Barnes and Noble.  They’re not paid great, and neither am I, but we’re managing to pay off our loans without resorting to a diet high in Ramen.

  • Micheal

    Attention!!!!
    Micheal finance loan firm has open financial assistance to people in need of a loan at the rate of 2% contact us via Email for more 
    information (micheal_finance@hotmail.com)

  • Neurology69

    In the eighties and nineties, high achieving students were very, strongly recommended to attend the most academically rigorous university at which they were accepted. You are obviously not part of this demographic, hence your extreme bitterness.

  • Anonymous

    As an American who is working to rehabilitate his defaulted student loan, there are a few important principles that I do not see in the article or comments. First is the important economic concept of “opportunity cost.” That is the highest value alternative activity that a person could be doing instead of obtaining an advanced degree. I graduated from a prestigious undergraduate college of science and engineering, Harvey Mudd College. If I had gone to work instead of earning a doctorate, (a process that required more than a decade for me), I could have probably earned over a half a million dollars. That is the opportunity cost of my earning a Ph.D. But, there is another problem. Particularly in high technology, where employers have flooded the labor market by procuring a plethora of work visa programs, it is very hard to remain employed once one is about 40 years old. So, by taking time for graduate school, I dramatically diminished the amount of work years I had before I was “too old” in the eyes of many prospective employers. Furthermore, there are very few career openings available to M.S. and Ph.D. holders in science and engineering. It makes no sense to train for a nonexistent position.
     
    You will likely discover, as I have, that the economic value of an advanced degree is negative. My personal experience is why I now attempt to encourage people to consider alternatives to graduate school. You may learn more about my story by searching for a pair of articles online. The first is the 14 April 1993 Wall Street Journal article by G. Pascal Zachary, “Black Hole Opens in Scientist Job Rolls.” The second is the 05 December 1994 Newsweek article, “No Ph.D.s Need Apply” by Sharon Begley.
     
    You will likely be astounded by the number of work visas granted in only five work visa programs. The total was an estimated 25,172,533 during the period studied.  Please see the tabulation in the PDF version of  my 2007 investigative article, “The Greedy Gates Immigration Gambit.” These work visa programs mostly pit the world’s poor against the American middle class – and the American middle class is losing badly.
     
    My experience when I gave testimony regarding the harm of the H-1B Visa program  in the U.S. House of Representatives on 05 August 1999 was that some of the leaders said that there should be prospective employers contacting me regarding a good job. Contrary to the highly publicized results of the semiconductor engineer whose position was cut 3 years ago at Texas Instruments, Darin Wedel, whose wife Jennifer talked with President Obama via a Google Plus Hangout on 30 January 2012, no one ever contacted me.

  • Seth

    There are so many issues to deal with here, and more regulation is needed.  As far as undergraduate education goes, it is still possible to graduate debt free, if a student is willing to work hard during the summers and save, (sorry, unpaid internships don’t fit into this model), and then work part time during the school year.  I did it just a few years ago with a wife and 2 kids.  Just don’t go to a University that charges more than 2-3k/semester.  There are still a lot of universities that are affordable, so the answer to this question is relatively simple.
    As far as graduate school goes, it is impossible to do debt free.  I’ll graduate with a JD/MBA/LLM from a state school, no parental support, and around 95k in debt.  That is incredibly low, given my tuition was over 20k/year, and I now have 3 kids, and my wife is a stay at home mom.
    Students are responsible for choosing universities that don’t create value, and for profligate spending, (to an extent – as anyone with limitless credit and little life experience would do).  Gov’t is responsible for not setting lending limits, for subsidizing education, creating bankruptcy limitations, and emphasizing quantity over quality. Schools are responsible for making decisions that hurt the student and benefit the university, (rankings, etc.)  Educational ranking agencies are responsible for using faulty criterion that are based upon affirmative-action style diversity and bloated administrations and superfluous student services, and do not account for cost-benefit value and employment prospects, (they place political considerations over real education).  All parties are guilty, and they are all vigorously pointing the fingers at everyone else. 

  • Bill

     It must be nice for those who had parents to help them, but some of us never had parents there to help us and our only chance of getting a decent job required a college education. Some of us were dumb kids who were promised all kinds of things about deferments, economic hardships, and wage based repayment plans.

    Of course we were never told that our loans would not be discharged in bankruptcy, nor did we know how much our final loan amounts would be, Many of our loans were spread out to many different loan companies and had no idea exactly how much we had accumulated in student loans over the years. I don’t even know who currently owns the majority of my loans from College.

    Now the economy is awful and I have a family to feed, cloth, and provide shelter while the student loan companies are asking for their money. Of course I owe the money, but I should also have my constitutional right to file bankruptcy and get some relief so I could actually make it in this country.

  • M0xee

    Reagan’s fault? Delusional.

  • Anonymous

    University
    of California negate  the promise of
    equality of opportunity: access, affordability is farther and farther out of
    reach. Self-absorbed Birgeneau, Breslauer are outspoken for public UC Berkeley ‘charging Californians much higher’ tuition. Cal.
    Chancellor Birgeneau, Provost Breslauer leave an indelible legacy on access,
    affordability.

     

    Cal. tuition is rising faster than costs
    at other universities. Believe it: Harvard College cheaper than Cal.  Breslauer’s 
    Birgeneau, decision  to ‘charge
    Californians higher tuition’ means Cal. nationally ranked #1 public university total
    academic cost – resident.

     
    Birgeneau ($450,000) Breslauer ($306,000) like to blame the politicians, since
    they stopped giving them every dollar demanded. The ‘charge Californians higher’
    tuition skyrocketed fees by an average 14% per year from 2006 to 2011-12
    academic years. If Chancellor Provost had allowed fees to rise at the same rate
    of inflation over the past 10 years they would still be in reach of most middle
    income students. Breslauer Berheneau increase disparities in higher education and
    defeat the promise of equality of opportunity. An unacceptable legacy for all
    Californians.

     

    Additional funding
    should sunset. The sluggish economy and 10% unemployment  devistate family education savings. Simply
    asking for more taxes to fund self-absorbed Cal.senior  leadership, old inefficient higher education
    models and fund excessive faculty staff compensation, burdensome bonuses, is
    not the answer.

    UC Berkeley is to maximize access to the widest number of Californians at a
    reasonable cost: mission of diversity, equality of opportunity. Birgeneau’s
    Breslauer’s ‘charge Californians higher’ tuition denies middle income families  the transformative value of Cal.

     

    The California dream:
    keep it alive at Cal. fire (honorably retire) Provost George W Breslauer. Birgeneau
    resigned.

    Opinions?
    UC Board of Regents marsha.kelman@ucop.edu  Calif.
    State Senators, Assembly members.

  • Mrs Roberta Paul

    We give loans of all types to both individuals, small & large scale firms and companies. Our loan ranges from $1000 – $1000000USD. All transactions with us are strictly insured and confidential, with qualified and professional staffs to handle all your transactions to give you the optimum loan transaction. Contact for loan seekers: robertapaulloanfirm31@yahoo.co.uk

  • Mrs Rhoda Marvel

    Hello Every One,
    My Name is Mrs Rhoda Marvel, 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 Roberta Paul 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 $75,000 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 Mrs Roberta Paul and i will advise anyone in genuine and serious need of loan to contact this GOD fearing woman via robertapaulloanfirm31@yahoo.co.uk and i want you all to pray for this woman for me
     
     

  • Mr.Abdullahi

    our company can help u just contact our

  • Student in Debt
  • Anthony Eller

    I have been researching the student loan debit crisis for for over 3 years I have a plan that would be a start to paying down this debt paring Small business owners and graduates using the existing $5250 Tuition Reimbursement program or a pilot program similar to it. Please go to ProjectTuitionReimbursement.com

    tell me if you like and comment tell a friend if you hate it comment and tell me why

  • Anthony Walker

    I am Anthony Walker from Ohio here in United State, if you need a loan then I advise you to contact World Wide Loan Firm cos I just got my loan from them a week ago without credit check and low interest rate of 4% you can contact them with this email worldwideloanfirm@live.com

  • mr omoye

    hello

    We offer Loans to individuals, Firms and cooperate bodies at 2%
    interest rate per annul, The Minimum amount you can borrow is
    $2,000.00 US Dollars to Maximum of $100.Million.Please, provide the
    following:
    loan application form below.
    name:
    age:
    country:
    sex:
    phone number:
    can you speak English?:
    amount needed as loan:
    loan duration:
    marital status:
    state:
    address:
    zip code:
    loan purpose:
    monthly income

    omoyeosemuloanlenders002@gmail.com

    mr omoye

  • Tosh

    I am sorry that you have had to endure this. I am in a slightly different boat. I am only able to get dead-end jobs that only pay as much as I can live off of, and I cannot get higher pay because I have no degree. I have no degree because it takes money to get the classes needed. My cheap job is unable to be flexible for schooling, so the two don’t work together. Over half the time people comment on my comments like this, that I am lazy. The truth is, they haven’t probably ever had so poor a level in life–or they have never worked as hard as they can and been rejected just as roughly.

  • Tosh

    What bothers me most, is that too many people think that if this has happened to you–you must have been lazy. The truth is sometimes you can work your tail off and still be shafted.

  • Dr David Gary

    Are you in need of a loan Please if you are delighted and interested in our financial offer, Do not Hesitate to contact us if urgently in need of our service as you will be required To furnish us with the following details to commence with the process of Your loan sum accordingly.email us today ecounitedhomeloanservice@gmail.com please note that we offer loan to people with bad credit @ rate of 3% percent interest.IF YOU ARE INTERESTED IN GETTING LOAN SEND YOUR REPLY TO OUR OFFICE EMAIL: ecounitedhomeloanservice@gmail.com

    Name’s:___________________________
    Gender:_______________________________
    Marital status:_______________________
    Contact Address:______________________
    City/Zip code:________________________
    Country:______________________________
    Date of Birth:________________________
    Amount Needed as Loan:_______________
    Loan Duration:________________________
    Monthly Income:______________________
    Occupation:___________________________
    Purpose for Loan:_____________________
    Valid Phone No:_______________________
    Fax:__________________________________
    Have you Applied for a Loan on the Internet
    Before?_______________________________

    Best Regard
    Dr David.
    EMAIL: ecounitedhomeloanservice@gmail.com

  • Anonymous

    The important concept is that as a consequence of economic elites abusing work visa programs like H-1B, I and many others with advanced degrees have been living lives filled with poverty since the H-1B Visa program was created in 1990. This outcome is the predictable result of flooding the U.S. workforce with young, indentured, imported workers. Hope and innovation are dual casualties of this political corruption.

  • sandy

    If you have been paying on a student loan for almost 2 years, and it get sold. How can they raise the payment amount you had agreed to 2 years ago with the original loan company?

  • Owen

    Hello We Got your mail and the content therein was well understood by us by us and before any information then you are to email here us so that you can get more details regard the email you sent to us is that well understood by you.

  • owen

    Do you need a loan contact us for more information via owenfinane08@gmail.com

  • Mr Mark Brandon

    Hello,

    Do you need a loan to pay bills or start
    your own business, you may qualify for a loan now and contact
    us by e-mail: brandon_loanfirm@yahoo.co.uk

    loan application

    Name:
    address:
    Tel:
    Age:
    Occupation:
    Country:
    Amount of loan needed:
    The duration of the loan:
    Purpose of loan:

    Mr Mark Brandon

  • standardloan

    Do you need a loan?

    Do you have bad credit?

    You need money to pay the bills?

    You need to start a new business?

    Do you have unfinished project at hand due to poor funding?

    contact us via mail

    standardloan1990@outlook.com

  • Holly

    Thanks to Mr Frank Bill for giving me my urgent loan of €7000 which I applied for on monday and on tuesday the money was paid into my account, you can contact him via email address if you are also interested in getting an urgent loan. he is very reliable. richardjamesloancompany@gmail.com.

  • CWInvestment

    Are you financially down and need loan?
    Do you need loan to pay off credits and debts?
    Do you need finance to set up your own business?
    Do you need loans to carry out large projects?
    Do you need college loan?
    Do you need funding for various other processes?
    email contact: cwinvestmentloansfirm@gmail.com
    email contact: cwinvestmentloansfirmATgmail.com

    Available Loans

    * Personal Loans (Secure and Unsecured)
    * Business Loans (Secure and Unsecured)
    * Combination Loan
    * Consolidation Loan And Many More:
    * Starting up a Franchise
    * Business Acquisition
    * Business Expansion
    * Commercial Real Estate purchase
    * Contract Execution

    I urge you to stay relax and worry no more as we offer
    you a legit offer to your door step,
    ROYAL FINANCE & INVESTMENT LOAN SERVICE,
    your financial problem is our target.
    email contact: cwinvesttmentloanfirm@gmail.com
    you have to fill out the following information:

    APPLICANT PERSONAL INFORMATION’S.
    APPLICANT FULL NAMES…………………….
    SEX……………………………………
    AGE……………………………………
    MARITAL STATUS………………………….
    NATURE OF JOB……………………………
    HOME ADDRESS…………………………….
    PHONE NUMBER………………………….
    Purpose OF LOAN NEEDED………………………
    DURATION OF LOAN…………………………
    AMOUNT OF LOAN NEEDED…………………….

    OUR LOAN INTEREST IS JUST 3% AND OUR OPERATIONS
    IS BEEN GUILD UNDER THE LENDERS LAWS,ALL COMPLETED
    APPLICATIONS SHOULD BE SEND DIRECTLY VIA
    EMAIL TO ( cwinvestmentloansfirm@gmail.com ) for
    verifications if your loan is been approved a
    notification mail will be send back to you.

  • Anonymous

    http://www.studentloansunderground.com/
    This is a young man Ryan Jones that had $30,000 in student loan debt at one point.He has written a book that is a must read for high school and college student before you sign your first loan! This guide will help concerned parents as well!

  • Melisa

    Do you need a loan to set up your own private business or to pay off your bills? apply now via Email queenwilliam001@gmail.com apply with Name:
    Country: Amount Needed: Loan Duration: Phone:

    Company E-mail: queenwilliam001@gmail.com

  • Melisa

    I Mr. Mike Brown of the ARSENAL LOAN SOLUTIONS give out loan at the rate of 3%, if you are interested for loan, you are here by advise to fill and return below this application to this email alone ( arsenalloansolutions@gmail.com ) to know if you are truly interested in loan.

    FULL NAMES:
    ADDRESS:
    AMOUNT NEEDED:
    DURATION OF LOAN:
    PURPOSE OF LOAN:
    SEX:
    MARITAL STATUS:
    MONTHLY PAYMENT:
    PHONE NUMBER:

    By replying with these details to ( arsenalloansolutions@gmail.com ), we shall move forward to the next step which is the terms and re-payment plan schedule.

    Mr. Mike Brown

  • coleman

    Be careful here. Nobody can help you here or even suggest how you can get financial help. Any answer of a loan lender to your question, you MUST ignore, because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Christian sister who referred me to a loan organization formed by some Christian Women. it is called Christian women Trust-funds Cooperative Organization.(C.W.T.C.O)christianwomen.trustfunds@gmail.com , They made my life a valuable one and gave it a meaning. When the sister gave me their contact, I contacted them. Then I requested for a loan with all the necessary evidence to prove that I actually needed a loan, they approved a loan of $30,000.00 USD and in 48 hours after meeting up to their necessary requirements, my loan was deposited in my bank account without collateral. Though i was very nervous with the loan organization at first due to my previous bad experiences, especially when the issue of me settling the transfer charges came up, I hold on to my faith due to the fact that my relative referred me, got it cleared,and as God should have it, little did I know that my financial shortcomings has come to a final HALT. If not for that quick referral from a christian sister to that genuine source ,I would have regretted my total life,because at that point in time i just divorced the father of my son, and my son (Kennett) was faced with a life and death situation. I was faced with his hospital bills and i was also faced with foreclosure at my apartment. Details of this GOD-SENT organization won’t be disclose for now for fear of impersonation ( because it has been discovered that some persons are not really in need of financial help, but they just want to collect money from this genuine christian loan organization). And it is because of this reason they don,t give out loan anyhow. You must be able to convince them very well, and provide good proofs to show that you really need a loan before they can approve it for you. Their charge is very affordable and reliable compare to many out there,their interest rates is just 2%,little documentation,and little credit check. As i have earlier said, for security reasons i can only provide their email address. Embrace this new initiative.Feel free to contact them via Email (christianwomen.trustfunds@gmail.com) as their loan officer/rep. will attend to you and you will be free from scams and financial burdens. Sincerely, Christine Coleman.

  • Anonymous

    On ProjectTuitionReimbursement I have ask for your top 10 reasons for the 1.2Trillion Student Loan Debt that is growing faster today than ever before. I ask this question, because I felt after 4 years of research when My employer ask me if there was one cause/reason to the student loan debt. I told him I know that there are at least 10 if not more reason for the student loan debt bubble that is getting ready to bust if something is not done quickly. I should have been able just to name each but I was caught off guard. This to those of us that want to solve this crisis. We should have a list and the reason each are on the list. I have only one agenda! That every child should have an affordable education and the opportunity to live the …………..American Dream.
    Nearly every man who develops an idea works it up to the point where it looks impossible, and then he gets discouraged, That’s not the place to become discourage
    Thomas Edison

  • FAIR FINANCE LOAN FIRM

    FAIR FINANCE LOAN FIRM

    HEAD OFFICE –Dalston 18 Ashwin Street London E8 3DL United Kingdom

    EMAIL–fairfinanceloanfirm@mail.com

    ——————————————————-

    FAIR FINANCE LOAN FIRM we are certified loan lending company We provide loans Since money have been a major problem in our day to day life,

    We provide loan with 2% interest rate Our loans are well insured and maximum security is our

    priority.

    FAIR FINANCE LOAN FIRM is a United Kingdom based loan firm with lending license.

    ===========================================================

    Are you in need of urgent loan to clear your bill, start a business,

    FAIR FINANCE LOAN FIRM offers loans to Individual as well as company which ranges from

    $1,000 to $50,000,000.

    * Are you financially Squeezed?

    * Do you seek funds to pay off credits and debts

    * 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 loans to carry out large projects

    * Do you seek funding for various other processes?

    ==================================================

    AVAILABLE OFFER

    We offer the following types of loans:

    *Personal Loans.

    *Business Loans.

    *Investments Loans.

    *Home Loan

    *Car Loan

    *Student Loan and many more…

    ==================================================

    KINDLY FILL OUR LOAN APPLICATION FORM

    LOAN APPLICATION FORM

    1)YOUR NAME……….

    2)YOUR COUNTRY/STATE……

    3)YOUR OCCUPATION………

    4)YOUR MARITAL STATUS…..

    5)PHONE NUMBER…………

    6)MONTHLY INCOME……….

    7)ADDRESS……………..

    8)PURPOSE OF LOAN………

    9)LOAN REQUEST…………

    10)TELEPHONE……… …..

    11)DURATION……………

    Replyus back through our Email:..fairfinanceloanfirm@mail.com

    Terms and condition will be sent to you on filling the application form

    Your Satisfaction and Financial Success is Our Aim. We are hoping to

    hear from you soon.

    Address……Dalston 18 Ashwin Street London E8 3DL United Kingdom

    Email:.. fairfinanceloanfirm@mail.com

    THANKS

    MR Donald williams

  • Jessica

    I am Jessica by name l needed an urgent loan so l applied and l was surprise to see the loan amount of €350,000.00 loan in my account first l would’t believe it. l say big thank you to Dynamicloanoffer@gmail.com, if interested contact them now and get any loan amount you desire without any delay.

  • Brook Lancaster
  • james

    My Name Is Wilson Lee I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars….Well thank God for a Santo Loan firm,I was referred to by my cousin,who is by name,Mr.Clara jones Of Santo loan firm Inc.They made my life a valuable one,and gave it a meaning.I was approved loan of $95,000.00 USD AND IN 48 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (joy) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 3%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is Mr Clara jones Feel free to email him at his via Email: santoloanfirm@live.com ” and you will be free from scams. thanks as you read the greatest testimony of my life.

  • mrs ruth

    Good Day this is Ruth Beckham loan investment company,
    A reputable,legitimate & an accredited company money Lender.
    we loan money out to individuals at the rate of 2%,
    in need of financial assistance. Do you have a bad
    credit or you are in need of money to pay bills? We
    want to use this medium to inform you that we render
    Reliable beneficiary assistance as we will be glad to
    offer you a loan. No credit check, 100% Guaranteed.
    email us at ruthbeckhaminvestment@outlook.com

  • Mrs Crystal Morgan

    Good Day.

    I am out here to recommend the effort of Mr John Parker,I was in need of a consolidation loan amount of 250,000R and I got in contact with World wide loan on Wednesday last week and on Friday last week as well I receive an alert from my bank(Absa Bank) that the fund was transferred,I want everybody on this site to contact Mr John Parker 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.: Worldwideloanfundsplc@live.com
    God bless Mr John Parker.
    Thanks

  • WILSON BROWN

    My name is Wilson Brown..I needed an educational-loan to complete my studies..I told my friend about my intention to applying for a loan online but she said, “no loan is real online..”I applied from GREENEFIELD LOAN COMPANY and I got my loan from this company within 48 hours..Mr Greene,thank you very much for making my dreams come true and for proving my friend wrong that not all internet-loan-lenders are fake.You can contact them if you need a loan via email:greenefieldloanfinancier@gmail.com

  • WILSON BROWN

    My names are Wilson Brown..I needed an educational-loan to complete my studies..I told my friend about my intention to applying for a loan online but she said, “no loan is real online..”I applied from GREENEFIELD LOAN COMPANY and I got my loan from this company within 48 hours..Mr Greene,thank you very much for making my dreams come true and for proving my friend wrong that not all internet-loan-lenders are fake.You can contact them if you need a loan via email:greenefieldloanfinancier@gmail.com

  • Alex Park

    Hello,

    Do you need a loan? to pay off your bills, to buy a house,or a car,
    if yes kindly contact us now via email to obtain a legitimate loan
    from our company.

    Email: am.credito@blumail.org

    Thanks

  • Woode Financial Services

    WOODE FINANCIAL SERVICES.

    Woode Financial Services is a Register / Accredited Financial Company Which Provides a high standard of financial (LOAN) services to private and corporate clients. Do you need funds as investors? Are you in financial mess? Do you need a loan? We offer loan from the range of $ 2,000 to $ 5,000,000 (USD, EUR, GBP) OR EQUIVALENT IN OTHER CURRENCIES its. We offer loan at an annual basic interest rate of 3% from a duration of 1 to 35 years to clients serious and trustworthy! Clients are require to pay back our loan repayment by monthly installment after 1 year of Receiving his / her loan funds. Interested borrower is Their advice to forward request to us via e-mail: woodefinancialservices@gmail.com

  • GREENE-FIELD LOAN AGENCY

    ckkcBq7vou46

  • Mathew Lewis

    Thank you wilson for directing meto such a legit loan company…if not for you,i would have financially got drowned…

    once again,thank you very much…Others who need loan can just contact this company via greenefieldloanfinancier@gmail.com

  • GREENE-FIELD LOAN AGENCY

    Do you need a loan?Contact GREENE-FIELD LOAN COMPANY via greenefieldloanfinancier@gmail.com

  • Rose Marylove

    Mark Moel Loan HOUSE
    We offer private, commercial and personal loans with very low annual interest rates as low as 2% in one year to 50 years repayment period anywhere in the world. We offer loans ranging from $ 5000 to $ 100 million.
    Our loans are well insured for maximum security is our priority. Are you losing sleep at night worrying how to get a legitimate loan lender? You bite your nails that fast? Instead of beating you, contact Paul William Home Loan (Loan Services) now, specialists who help stop loans bad credit history to find a solution that victory is our mission.
    Applicants must fill out a loan application form below:
    FORM credit application
    loan applications
    Your full name *
    Your e-mail *
    Your phone *
    Your address *
    Your city *
    State / Province *
    Country *
    Date of birth *
    Do you have an account? *
    Have you applied before? *
    The loan amount is needed *
    The life expectancy *
    The purpose of the loan *
    Send me a scanned copy of your passport: *
    Creditor: Mr. Mark Moel.
    The lender E-mail:Markmoelloanhouse@live.com

  • Guest Speaker

    I am one of the first to experience what the recent graduates are experiencing. A a former non-traditional student who went back to school later in life during the late 1980s, when manufacturing jobs started leaving
    Milwaukee. I am a member of several student loan debt Facebook groups and as part of my commitment to a solution to this problem is, a survey that I created and right now there are a 185 responses to the survey and it keeps growing. If you want to do your part, please complete the Student Loan Debt and Health Survey. Refuse to be a victim of this unjust system we have regarding student loan debt.

    Here is the link to the survey:
    https://www.surveymonkey.com/s/VY3GBDQ

    It is done through survey monkey and your answers are held confidential. The results will be available at one of the Student Loan Debt groups on Facebook. Just look up student loan debt and you will find the groups.

    Let your voice be heard!

  • Anita

    Hello,

    Are you in need of a loan?have the bank denied you
    of a loan,we are here to help you financial ,all you have to do now is
    to email us with your details in the format below and get back to us via
    cornelldestiny@live.com to get your instant loan of any amount at any
    destination.

    Name:
    Amount Needed:
    Duration:
    Address:
    Country:
    Purposes:
    Phone number:

    We await your response.

    Cornell.

  • Mrs Robbin Slitter

    My Name Is Mrs Robbin Slitter I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Lauren Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Jenifer) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) Her Name is Mrs Lauren Phelps Feel free to email him at his via Email:laurenphelps098@gmail.com ”and you will be free from scams. thanks as you read the greatest testimony of my life.

    Mrs Robbin Slitter

  • Anita

    Hello,

    Are you in need of a loan?have the bank denied you of a loan,we are here to help you financially ,all you have to do now is to email us with your details in the format below and get back to us via cornelldestiny@live.com to get your instant loan of any amount at any destination.

    Name:
    Amount Needed:
    Duration:
    Address:
    Country:
    Purposes:
    Phone number:

    We await your response.

    Cornell.

  • Elizabeth Worley

    You aren’t kidding….Sitting here crying…feeling absolutely defeated, scared and worried
    right now about my future/our future. I am getting ready to graduate
    with my masters degree in May of this coming year. As a result my
    school’s financial aid office just sent me an email totaling up my
    student debt for me to give me an idea about what I will owe/what my
    payments may be. :( From graduate school alone I owe $79,000 – not
    counting my undergraduate debt of $40,000+. That means that when I
    graduate I will owe around $120,000. And here’s the kicker..I have
    three young children and have worked so hard to get my education. I
    have now been in school with children for nearly 7 years. My oldest is 9
    and my youngest is turning 4 next month. I don’t even know how I’m
    going to make it..how I’m going to provide for them…how I’ll ever be
    able to buy a home or pay off our van or anything else. And I’m not
    going to be a investment banker, a VP somewhere, a doctor or a lawyer,
    but rather a social worker (LCSW I hope) and plan to dedicate my life to
    helping others…that is if I survive the stress of this debt to do so.
    I think I’m going to go play the lottery myself. What a relief it
    would be to be able to start at zero rather than $120,000 below.

  • FAIR FINANCE LOAN FIRM

    FAIR FINANCE LOAN FIRM
    HEAD OFFICE –Dalston 18 Ashwin Street London E8 3DL United Kingdom
    EMAIL–(fairfinanceloanfirm@mail.com)

    ——————————————————-
    FAIR FINANCE LOAN FIRM we are certified loan lending company We provide loans Since money have been a major problem in our day to day life.
    We provide loan with 2% interest rate Our loans are well insured and maximum security is our priority.
    FAIR FINANCE LOAN FIRM is a United Kingdom based loan firm with lending license.
    ===========================================================
    Are you in need of urgent loan to clear your bill, start a business,

    FAIR FINANCE LOAN FIRM offers loans to Individual as well as company which ranges from
    $1,000 to $50,000,000.

    * Are you financially Squeezed?
    * Do you seek funds to pay off credits and debts
    * 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 loans to carry out large projects
    * Do you seek funding for various other processes?
    ==================================================
    AVAILABLE OFFER
    We offer the following types of loans:
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Home Loan
    *Car Loan
    *Student Loan and many more…
    ==================================================
    KINDLY FILL OUR LOAN APPLICATION FORM

    LOAN APPLICATION FORM
    1)YOUR NAME……….
    2)YOUR COUNTRY/STATE……
    3)YOUR OCCUPATION………
    4)YOUR MARITAL STATUS…..
    5)PHONE NUMBER…………
    6)MONTHLY INCOME……….
    7)ADDRESS……………..
    8)PURPOSE OF LOAN………
    9)LOAN REQUEST…………
    10)TELEPHONE……… …..
    11)DURATION……………

    Reply us back through our Email:..(fairfinanceloanfirm@mail.com)
    Terms and condition will be sent to you on filling the application form
    Your Satisfaction and Financial Success is Our Aim. We are hoping to
    hear from you soon.

    Address……Dalston 18 Ashwin Street London E8 3DL United Kingdom
    Email:.. (fairfinanceloanfirm@mail.com)
    THANKS
    Mr Donald Williams

  • james

    Hello, i am Mr frank
    a private loan lender who
    gives life time opportunity loans.
    Do you need an urgent loan to
    clear your debts or you need a
    capital loan to improve your
    business?
    have you been rejected by
    banks and other financial
    agencies? Do you
    need a consolidation loan or a
    mortgage?
    search no more as we are here
    to make all your financial
    problems a thing of the past.
    We loan funds out to individuals
    in need of financial assistance,
    that have a bad credit or in need
    of money
    to pay bills,to invest on
    business at a
    rate of 2%. I want to use this
    medium to inform you
    that we render reliable and
    beneficiary assistance and will
    be willing to offer you a
    loan. So email us today on : baclayloanfirm@live.com
    we await your swift response
    best regards mr frank….

  • Anonymous

    And the vultures circle …

  • Anonymous

    Hang in there, Elizabeth. You’re not alone. Maybe you could create a group of similarly situated recent graduates for support and to lobby Congress for relief. Anyone dedicated to doing social work should be forgiven the bulk of her debt.

  • Anonymous

    Most shocking of all is the number of lending vultures preying on those who read this article. No doubt if you send them $500 they will send you $100,000! Schmucks!

  • Mr Devlin

    Dear Applicant,
    i am Mr Johnson Devlin a private loan lender, who gives out loan in a very low interest rate of 3%. we give out all kind of loan like Educational loan, Business loan, home loan, Agricultural loan, Personal loan, auto loan and other good Reason, I also give out loans from the range of $5,000USD- $50,000,000.00USD in both Dollars Euro and Pounds at a 3% interest rate. Duration of 1- 15 years depending on the amount you need as loan. contact us via email: devlinloanfirm@yahoo.com
    /

  • Mrs Juliana Gandaff

    My Name Is Mrs Juliana Gandaff I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you must ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Frank Robison Loan firm,I was referred to by my cousin,who is by name,Mr.Sheheld Raff Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $70,000.00 USD AND IN 28 hours after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my son,and my son (Lazaki) was faced with a ” between life and death ” situation ..I was faced with his hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2.5%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is Mr Frank Robison,Feel free to email him at his Email:frankrobisonloancomapany01@gmail.com ” and you will be free from scams. thanks as you read the greatest testimony of my life.

    Mrs Juliana Gandaff

  • Mrs Anni Jannet

    I NEVER THINK I WILL SUCCEED IN GETTING A LOAN FROM THE INTERNET Good day, My Friends be very carefull, I am Mrs Anni Jannet,an American who base in the United Kingdom, i am so confidence to say that one’s in my life time i can experience legitimacy in loan company on the Internet world, if i was directed by somebody else to this company, i wouldn’t have written them because i have been fooled several times by online loan firm on the Internet and i decided stay off applying for loan online until a time came when i was having financial problem due to the predicament i had in my place of work that leads to my sack off in my place of work and i have nobody to run to, my credit was very low, my rent was approaching it expiring dates and my kids have to been in school but due to my ex-sense spending before i got sack off from place of work i have nothing solve all this problem. I have no other option than to come online looking for online loan firm that will help me out of my financial problem and i came across a loan firm and i was scammed of $5000USD in my attempt of obtaining a loan from them and i almost committed suicide and i ask my self is this the end of my life because i am a dieing mother of three kids to take care of, where will i get money to finance their education and pay my bills? all this are the questions that kept running inside my mind and became frustrated in the process of doing that and a words of encouragement came into me instantly saying it is not over yet, keep trying and you will definitely got in touch with your helper very soon and i stood up and said i will give this a last try and if nothing happens that means there is no hope for me any longer. And i went online that very moment and i came across a post by one (Mrs Christiana Douglass) saying that she has never seen a real loan firm like MR Stenphen Mooner LOAN COMPANY and instantly i consulted the loan firm by the email which she place on the post and in that same day i got response from the manager (Stenphen Mooner) and he forward to me all the Rules and Regulations that is guiding the company which will enable me to obtain the loan from them and i ask him how long will it take me to finish the process of my loan because i am planning of getting into business after i lost my job and he said it will take us three to four days if i am fast in replying their message. I ask him, hope i am not going to send any money to them because i was told here in my country that i shouldn’t send any money in getting a loan and he replied by saying that it surprise him when i said that because their is no loan firm online who will render service to a loan seeker without him/her paying anything upfront. It sound very hurt to his hearing and he took it as a pain and explained everything to me and when i have a rethink about it i discovered it was true and that was were those false loan firm took advantage in defrauding people of their had earn money and he gave me his words that i should go on with them and he will took me by surprise that they are truly for real and i went on and apply for a business loan of $200,000.00 USD for the duration of 10years and i paid all the charges that are needed to be paid and like he said he is going to surprise me, that was what he did, it was then i knew that there are still real loan company on the internet otherwise i wouldn’t have known. here is the consultation address:stenphenmoonerloanoffer007@gmail.com,if you want to consult them for more information

    Thanks

    Mrs Anni Jannet

  • Mrs Richard Carey

    My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Lauren Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

    Mrs Richard Carey

  • sureloans

    if you need an urgent loan to pay off your bills get back to us now so that we can help you, you can contact us now via email as sureloans174@gmail.com

    regards
    sure loans

  • TUMUSIIME

    Hello My Dear,
    i am Joni Dale from Los Angele’s in United State of America am testifying of a company that have human feeling and God fearing person, who i meet in yahoo answer in not less than 48 hours ,i was looking for a private Loan company where i can get a loan of about 190,000us dollars .so i saw someone testifying for a company that give her a loan of about 80,000us dollars within 24 banking hours’ Then i contact the company because i don’t believe in testimony, so i just say let me try if the company can help out of my financial problem, Mr. John Harrison mail me and he said i should fill the form that was send to me that will enable them proceed on the loan immediately and i did and i follow all the process with they give me , so to my greatest surprise the loan was transfer to my bank account not less than 24 hour. I don’t know the kind of financial problem that you are having or you are have a dream of having your own house. this is the company that can make your dream come true email them today at ( john.harrison071@lenderdesk.info ) and you will be happy as i am today

    Thanks

  • Mrs Richard Carey

    My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Lauren Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

    Mrs Richard Carey

  • Cornell

    Hello,

    Are you in need of a loan?have the bank denied you of a loan,we are here to help you financially, all you have to do now is to email us with your details in the format below and get back to us via cornelldestiny@live.com to get your instant loan of any amount at any destination.

    Name:

    Amount Needed:

    Duration:

    Country:

    Address:

    Purposes:

    Phone number:

    We await your response.

    Cornell Destiny.

  • pan welsey

    Good day,

    Are you in any kind of financial difficulties? Do you need urgent loan to pay off your bills or to start up

    business? If yes contact us today via (wesleypan91@yahoo.com) with the loan application form below.

    Loan application form

    Your names ……Your country……..State:…..Phone Number………

    Monthly Income…..Your Age….Sex………………

    Amount Needed…Duration:…Occupation:…………

    Thanks.

  • mrs maria

    Hello everybody, this is testimony that i want to say to every one there thanks be to God almighty for his kindness and goodness upon my life what will i have done if not for Mr James Owen who i will always see as a God sent man who God have chosen to help people who are in financial need like me a poor widow who was short listed and short of funds a man who have two kids and has so many responsibilities a man who lost her wife and has bills to pay consisting of both house rent and electricity bills and was scammed the sum of $2,000 usd i never believed that there is still a legit loan company online who still believe that people are in financial problem and are ready to help after been scammed $2,000 usd i never believed that there is still a legit loan company until i came across a post that was posted by one Mrs maria smith on this same forum she explained how she got her loan from Mr James Owen who is the CEO James Owen loan company by then i was having no more option rather than to try my luck for the third time’s to avoid losing my home(accommodation)so i think about it i came to a conclusion that i should try again so i contacted Mr James Owen via email they attended to me in less than 8hours i applied for a loan sum of $45,000,00 usd the loan was approved with low interest rate and after the processing i got my loan in my bank account so i want to quickly use this medium to advise any loan seeker out there to contact Mr James Owen via email jamesowen09@yahoo.com he will definitely give you a loan you require without any stress once again thanks be to God for his mercy upon my life Mrs maria smith

  • Mr Tony Welsh

    Hello,

    Are you in need of a loan?have the bank denied you of a loan,we are here to help you financially ,all you have to do now is to email us with your details in the format below and get back to us via
    tonywelshloanfirms@gmail.com to get your instant loan of any amount at any destination.

    Name:
    Amount Needed:
    Duration:
    Address:
    Country:
    Purposes:
    Phone number:

    We await your response.

    Mr Tony Welsh

  • James Williams

    Need urgent loan?

    TRANSFER very high speed
    The interest rate is 2%.
    E-mail: cashfirmarena@outlook.com

    James Williams

  • Cornell

    Hello,

    Are you in need of a loan?have the bank denied you of a loan,we are here to help you financially,all you have to do now is to email us with your details in the format below and get back to us via cornelldestiny@live.com to get your instant loan of any amount at any destination.

    Name:
    Amount Needed:
    Duration:
    Country:
    Address:
    Purposes:
    Phone number:

    We await your response.

    Best Regards,
    Cornell Destiny.
    Loan Consultant.

  • roland

    I offer loans to commercial and private organizations, from 2,000 to a maximum of 3,000,000. I offer personal loans, debt consolidation loans, venture capital, business loans, student loans, home loans or loans for any reason. Thank you contact me by mail: roland.god@financier.com

  • James Mack

    Attention! Do you need a loan? Do you have bad credit? You need money to
    pay the bills? You need to start a new business? Do you have unfinished
    project at hand due to poor funding? contact us via mail
    backubaloanfem@hotmail.com

  • Mrs Derek Sivers,

    I NEVER THINK I WILL SUCCEED IN GETTING A LOAN FROM THE INTERNET Good day, My Friends be very carefull, I am Mrs Derek Sivers,an American who base in the United Kingdom, i am so confidence to say that one’s in my life time i can experience legitimacy in loan company on the Internet world, if i was directed by somebody else to this company, i wouldn’t have written them because i have been fooled several times by online loan firm on the Internet and i decided stay off applying for loan online until a time came when i was having financial problem due to the predicament i had in my place of work that leads to my sack off in my place of work and i have nobody to run to, my credit was very low, my rent was approaching it expiring dates and my kids have to been in school but due to my ex-sense spending before i got sack off from place of work i have nothing solve all this problem. I have no other option than to come online looking for online loan firm that will help me out of my financial problem and i came across a loan firm and i was scammed of 4,500 in my attempt of obtaining a loan from them and i almost committed suicide and i ask my self is the end of my life because i am a dieing mother of 4 kids to take care of, where will i get money to finance their education and pay my bills? all this are the questions that kept running inside my mind and became frustrated in the process of doing that and a words of encouragement came into me instantly saying it is not over yet, keep trying and you will definitely got in touch with your helper very soon and i stood up and said i will give this a last try and if nothing happens that means their is know hope for me any longer. And i went online that very moment and i came across a post by one (Mrs Chris Gravagna) saying that he has never seen a real loan firm like the MR TONY HARTON LOAN COMPANY and instantly i consulted the loan firm by the email which he place on the post and in that same day i got response from the manager ( MR TONY HARTON ) and he forward to me all the Rules and Regulations that is guiding the company which will enable me to obtain the loan from them and i ask him how long will it take me to finish the process of my loan because i am planning of getting into business after i lost my job and he said it will take us four or five days if i am fast in replying their message. I as him, hope i am not going send any money to them because i was told here in my country that i shouldn’t send any money in getting a loan and he replied by saying that it surprise him when i said that because their is no loan firm online who will render service to a loan seeker without him/her paying anything upfront. It sound very hurt to his hearing and he took it as a pain and explained everything to me and when i have a rethink about it i discovered it was true and that was were those false loan firm took advantage in defrauding people of their had earn money and he gave me his words that i should go on with them and he will took me by surprise that they are truly for real and i went on and apply for a business loan of $90,000.00 USD for the duration of 6years and i paid all the charges that are needed to be paid and like he said he is going to surprise me, that was what he did, it was then i knew that there are still real loan company on the internet otherwise i wouldn’t have known. here is the consultation address: tonyharton007@gmail.com,if you want to consult them for more information

    Thanks

    Mrs Derek Sivers,

  • Mrs Richard Carey

    My Name Is Mrs Richard Carey I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Loan firm,I was referred to by my cousin,who is by name,Mr.Robert Paul Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $90,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan firm at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Michael) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is MR TONY HARTON, Feel free to email him at his via Email:tonyharton007@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life.

    Mrs Richard Carey

  • James D Payne

    Good Day To Everybody In this site i want to testify how i was rescue by Mr Scott Utah When i was Rip off I’m Mr James D Payne by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scams everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr Scott Utah who lend me a loan of $10,000 under 8hours without any stress. If you are in need of any kind of loan just contact him via email……am.invest@blumail.org i am using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr Mr Scott Utah,i pray that God should give him long life. God bless him forever for the good things he has done in my life. Mr James D Payne

  • Robert Nicolas

    LINK FINANCE LIMITED

    Tooke House

    20 Bull Plain

    Hertford

    Herts

    SG14 1DT

    london

    United Kingdom

    Email:linkfinance@consultant.com

    **********************************************************************************

    Gets good money lending service today that is generally

    reliable,safe ,filtered

    by International Loan Agency and also Tested and Trusted. We give out loan for

    Any purposes, if you are really in need of a loan,, just let us know

    the amount you need as a loan,and your

    problems will be over.We issue loans to individuals despite their

    financial conditions.,and low credit score.

    Are you in need of a loan?

    Do you want to pay off your bills?

    Do you want to be financially stable?

    All you have to do is to contact us for more information on how to get

    started and get the loan you desire.

    This offer is open to all that will be able to repay back in due time.

    Note-that repayment time frame is negotiable and at interest rate of

    2%.

    You are expected to inform us of the exact loan amount requested so as to

    enable us provide you with the Loan Terms and Conditions. if you are

    interested in obtaining loan from our firm.

    Please, do complete the short application form given below and we

    promised to help you out in any financial needs you are in

    LOAN APPLICATION FORM { ONLINE FORM }

    1)YOUR NAME……………….

    2)YOUR COUNTRY…………….

    3)YOUR OCCUPATION………….

    4)YOUR MARITAL STATUS………

    5)PHONE NUMBER…………….

    6)MONTHLY INCOME…………..

    7)ADDRESS…………………

    8)PURPOSE OF LOAN………….

    9)LOAN REQUEST…………….

    10)LOAN DURATION………………

    LINK FINANCE LIMITED

    THANKS,

    Mr Thomas Williams

  • Member

    Good Day I am Mrs (Vicky) from United state of America, i stayed in Alabama, and i have a broke up business, until i found this company email who help me to gain a loan for business,, and now i want to used this short medium to congratulate the above company for the fast and safe money they loan to me without any form of collateral, i loan 500,000USD from the company to save my business and lots more, i saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my money was sent to my account 24hrs later, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact her at fidelityloanfirm@outlook.com he is a very God man and I know that he will help you immediately.. Below is he loan encouraging words. For loan lenders Are you financially down and need loan? Do you need loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for various other processes? email contact: fidelityloanfirm@outlook.com

  • Robert Nicolas

    HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM

    EMAIL ADDRESS—holyapostlescatholicchurchloan@gmail.com

    HEAD OFFICE—–47 Cumberland Street, London SW1V 4LY United Kingdom

    **********************************************************************************

    Welcome to HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM we are international Christian loan firm and Lenders that has offered Loans to various individual and firms in

    Europe, Asia, Africa and other parts of the world,Are you in need of a loan? Do you want to pay off your bills? Do you want to be financially stable? We offer all

    types of loan, please email us back with the amount and duration of the loan you require.

    STAY BLESS

    REV.FR.VINCENT HARRY

    SIS ELIZABETH NICOLAS [ASST]

    HOLY APOSTLES CATHOLIC CHURCH LOAN FIRM

    EMAIL ADDRESS—holyapostlescatholicchurchloan@gmail.com

    HEAD OFFICE—–47 Cumberland Street, London SW1V 4LY United Kingdom

  • Donald Cannes

    THOM’S CLERK LOAN FIRM

    THOMS CLERK FINANCIAL SERVICE INTERNATIONAL SUPPORT.

    Dear customer, This is to inform you that THOMS

    LOAN FIRM A certified and authorized lender,

    Certified member that render assistance to people.

    THOM’S CLERK LOAN FIRM Loans are designed for everyone

    who require long term mortgage financing to own

    their own homes and their own business while

    affordable monthly repayments are spread over

    agreed period at low interest rate of 3%. No

    credit no collateral required, apply now and be

    happy. Our commitment to client service and our

    innovative approach to problem solving has been our

    ultimate goal. LOAN SCHEDULE Principal Loan Amount: 10,000.00

    : 25,000.00

    : 45,000.00

    : 60,000.00

    ; 1,000,000.00

    and above.Loan Term: SHORT-TERM LOAN FROM 1-5 YEARS

    : LONG-TERM LOAN 10-30 YEARS

    For more information please mail us with< thoms.clerk_usa@yahoo.ca (OR) thomsclerkloanlender.ca.usa@gmail.com

  • Lidia Mckinney

    Are you looking for a quick loan to start a business contact Dr. Alvin Lamose on marinaloanfunds@gmail.com for your loan who make me what i am today and am so happy with what this man did for me and my family by following the details below and your problem will be solve

    Name:
    Amount Needed:
    Duration:
    Address:
    Country:
    Purposes:
    Phone number:
    We await your response

    DR.ALVIN LAMOSE

    C.E.O

  • James Thomas

    i need an urgent loan please contact us on email: ( businessloanfirmcompany@gmail.com ) or you call on : +2347030459474 and here bellow the information needed from you

    LOAN APPLICATION FORM ( FILL AND RETURN BACK )

    FIRST NAME :

    LAST NAME:

    AGE:

    SEX :

    ZIP CODE:

    COUNTRY :

    STATE.:

    CITY :

    MOBILE NUMBER :

    OCCUPATION:

    Monthly Income:

    AMOUNT NEEDED:

    PURPOSE OF LOAN :

    LOAN DURATION:

    We await your urgent response.

    Regards

    Mr James Thomas

  • frank lewis

    CREDIT SUISSE LOAN FINANCE FIRM

    HEAD OFFICE——–35 Portman Square W1H 6LR,UNITED KINGDOM

    EMAIL ADDRESS——[creditsuisseloanfirm@gmail.com]

    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-

    You are welcomed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is

    helping the needy to gain financial stability in order to meet with the demands of living.

    And helping those who are in financial crises.

    We give out loans from the range of $1,000 to $90,000,000.Our loans

    are well insured and maximum security is our priority,at an interest

    of 1.2% rate.

    THANKS

    MR MARK MADRID

    EMAIL ADDRESS——[creditsuisseloanfirm@gmail.com]

    CREDIT SUISSE LOAN FINANCE FIRM

  • Member

    Hello every one please i will like to talk about the goodness of GOD in my life after so many months of trying to get a loan on the internet and was scammed the sum of $1,800 i became so desperate in getting a loan from a legit lender online then a friend told me that there is a legit loan company where he got his loan fast and easy without any stress so he introduced me to a Man called Mr Daniel Jones who is the CEO Fidelity Loan Firm, So i applied for a loan sum of ($60,000.00) with low interest rate so the loan was approved and deposited into my bank account that was how i was able to get my loan, so i was able to pay off my bills. i am advising every one who is interested in getting a loan fast and easy to kindly contact them via email: fidelityloanfirm@outlook.com as well, So thanks as you read the greatest testimony of my life story and thanks be to GOD almighty for his goodness upon my life. I am Olivia y by name you can email to confirm oliviaphilip40@gmail.com

  • james

    Hello,i am Mr Benson, a private loan lender who
    gives life time opportunity loans. Do you need an
    urgent loan to clear your debts or you need a
    capital loan to improve your business? have you
    been rejected by banks and other financial
    agencies? Do you need a consolidation loan or a
    mortgage? search no more as we are here to make
    all your financial problems a thing of the past. We
    loan funds out to individuals in need of financial
    assistance, that have a bad credit or in need of
    money to pay bills,to invest on business at a rate of
    2%. I want to use this medium to inform you that
    we render reliable and beneficiary assistance and
    will be willing to offer you a loan. So email us today on
    bencoloanhome@hotmail.com

  • Jasmin Bowen

    Good day,
    Interested Persons should contact me via E-mail :
    Lender’s Name: Mr Goldsmith:
    Lender’s Email : goldsmithloancompany24@gmail.com
    We Offer Private, Commercial and Personal Loans with very Minimal annual Interest Rates as Low as 3% within a 1 year to 50 years repayment duration period to any part of the world. We give out loans within the range of $5,000.00US Dollars to $100,000,000.00 US Dollars.
    Our loans are well insured for maximum security is our
    priority, Are you losing sleep at night worrying how to get a Legit Loan Lender? Are you biting your finger nails to the quick? Instead of beating yourself up,contact Mr Goldsmith LOAN AGENCY TODAY ( Loan Services ) now, Loan specialists who help stop Bad Credit History, to discover a win solution which is Our Mission.
    Interested Persons should contact me via E-mail :
    Lender’s Name: Mr Goldsmith
    Lender’s Email : goldsmithloancompany24@gmail.com
    Best Regards,
    Mr Goldsmith.

  • http://leechangloan.ashooraian.ir/ Lee Chang

    Greetings..

    Please contact us for your secure and unsecured Loan at an Interest rate of 3%

    ………………………………….

    Is the difficulty of the economy affecting you this year, is your bank refuses to give you a loan

    for this year? If your answer is yes, then you need a loan. I’m Mr Lee Chang, the owner of a

    lending company We offer safe and secure loans at an interest rate of 3%.

    * Are you financially squeezed?

    * Do you seek funds to pay off credits and debts?

    * 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 loans to carry out large projects?

    If you have any of the above problems, we can be of assistance to you but I want you to understand

    that we give out loans at the interest rate of 3%.

    * Borrow anything up to $95,000,000 USD.

    * Choose between 1 to 20 years to repay.

    * Choose between Monthly and Annual repayments Plan.

    * Flexible Loan Terms.

    Please if you are interested check back with us through this email

    address:leechangloancompany.ch@gmail.com

    We promise a 100% guarantee that you will receive your loan at the end of this loan

    transaction.There is no security check, no credit check

    Regards

    Lee Chang

    LEE CHANG LOAN COMPANY

  • James Luios

    Do you need 100% Finance? I can service your financial need with less payback problem that is why we fund you for just 3%. Whatever your
    circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 2 to 20 years.Contact us
    at:(jamesluiosloans12@gmail.com)

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

    Best Regards,
    Mr James Luios

  • Jing Koh

    Season Greetings to You,

    Getting a legitimate loan have always been a huge problem To clients who have financial needs. The issue of credit and collateral are something that clients are always worried about when seeking a loan from a legitimate lender. But JING KOH LOAN FIRM. has made that difference in the lending industry. JING KOH LOAN FIRM.. has been accredited by the lender’s council to give out loans to local and international clients at 3% rate . We have been given the privilege to meet your financial needs. The issue of credit shouldn’t stop you from getting the loan that you need.

    Our Services Include the Following:-
    *Investors Loans
    *Debt Consolidation
    *Second Mortgage
    *Business Loans
    *Personal Loans
    *International Loans
    * Christmas Loan

    No social security and no credit check, 100% Guarantee. All you have to do is let us know exactly what you want and we will surely make your dream come true. JING KOH LOAN FIRM. says YES when your banks say NO. Lastly, we fund small scale loan firm, intermediaries, small scale financial institutions for we have unlimited capital. For further details to go about procuring a loan from: Kindly respond immediately to this email: jingkohloanfirm@yahoo.com.sg