Personal loan approval after bankruptcy

[Anonymous]

Hi, I'm really in a jam and would appreciate any advice.  My CH7 was discharged 11/14.  No lates on my CR since 2008.  Current scores are 670/649/649.  My ex refused to cosign my daughter's student loan this year for $30k.  We don't have anyone else to cosign.  I was denied a Parent Plus Loan due to bankruptcy.  Is there any chance of approval with SoFi, Lending Tree, Prosper or other lender.  I am not too concerned about the rate, my house is on the market and will hopefully sell soon, plan would be to PIF if I can get an approval.  My income is decent with solid employment.  Thanks in advance!

[TRC_WA]

I've read Lending Club requires a 660 TU FICO minimum...  I'd imagine Prosper and the others also have a minimum in that ballpark.

My guess would be your scores are borderline for any possible approval... and if approved don't expect a great rate.

[ChistineNJ]

you can also try Avant loans, the rate will be ridiculous but they can give you the cash asap if approved

[bstone]

Can you get a guarantor foe the PLUS loan? If so, they can be removed from the loan when the first payment is due if you consolidate it.

Might be the best option as the rate caps at 8.5%.

[Anonymous]

Unfortunately, I do not have anyone to cosign the parent plus loan.  A CH7 is an auto denial with them but they will approve with a CH13.  Looking at lenders carefully before I AP.  I'm wondering if an AP with Lending Tree would result in multiple pulls.  

[bstone]

I wouldn't waste the HP, it is very unlikely you're going to get a $30K personal loan eight months out of BK. Unless you have some substantial collateral.

I would start working with the school on a payment plan. Or tell your kid it's time to pick a less expensive school since daddy won't help.

Sorry for sounding rude, but sometimes being blunt is the best way to get something across.