A Harvard MBA Pays Down $101K Of Debt

by John A. Byrne on

Joe Mihalic graduated from Harvard Business School in 2009 with $101,000 of student debt. The Dell manager went on a crash financial diet to pay it off.

When he graduated from the Harvard Business School three years ago this month, the economy was a wreck. Nearly one in four of his classmates didn’t have a job at graduation in May of 2009. Yet, Joe Mihalic, then 26, was able to land a job with Dell in Austin, Texas, at twice as much as the $52,000 a year he made before earning his MBA.

But there was some overhang from his experience in Boston: roughly $101,000 in loans that he had to borrow to get the degree, even after Harvard gave him $54,000 in fellowship support.

Mihalic, of course, is hardly alone. The average debt of a Harvard MBA last year was $77,880, up from $73,110 a year earlier. Wharton MBAs, however, racked up average debt loads estimated to be an unprecedented $114,000, and the median financial burden for an MBA from a top ten business school from the Class of 2011 is about $88,500.

Despite Mihalic’s six-figure burden in the midst of the economic downturn, he gleefully jumped into a free-spending lifestyle that had defined his MBA experience. He bought a 2004 BWM M3 in the same month he graduated from Harvard. From Thursday to Saturday nights, he did the town with pricey dinners and drinks. For his 28th birthday, he bar hopped with friends in a black stretch Hummer. Though Mihalic had budgeted $850 a month for entertainment, he was commonly spending $1,300 monthly.

AFTER MAKING $22,000 IN MONTHLY PAYMENTS, THE HARVARD MBA STILL OWED $90,717

But there was one place where he didn’t slough off. For 21 months straight, he dutifully made the monthly $1,057 payments on his student debt. It wasn’t until the summer of last year when he checked his balance and was thrown into shock. After paying out more than $22,000, he still owed $90,717, a sum that exceeded his after-tax salary for a year.

A back-of-the-envelope calculation showed that he would pay $42,000 in additional interest if the loans went to their natural 10- and 15-year terms. That is when he vowed to go on an extreme financial diet to get rid of the financial burden. “Student loans are a strange animal,” he reasoned. “Unlike a payment towards a car loan or a mortgage, a student loan payment doesn’t go towards something that is benefitting me in a direct way.”

Mihalic, now manager of strategic alliances and business development at Dell, vowed to do “everything in my power–short of lying, cheating, and stealing–to pay down this debt in the next ten months.” Except that in his case, he also decided to chronicle the journey on a blog called “No More Harvard Debt.” The idea to anonymously write about the sacrifices he was about to make occurred last August after knocking out a cover letter to apply for a weekend delivery job.

LOOKING FOR PART-TIME WEEKEND WORK WITH A HARVARD MBA AND A FORTUNE 50 JOB

Even to him, taking a part-time position to pay down more of his debt seemed like a peculiar thing to do as a Harvard MBA with a six-figure management job at a Fortune 50 company. “I took a step back and it wasn’t until I stopped laughing at myself that I realized others might enjoy laughing at me, too,” he recalls. “The blog started as a joke. I had every intention of following through on my challenge when I started it, but I wanted to let people be amused by it and get a laugh at it, too.”

Over the next seven and one-half months, through 88 separate posts, he vividly describes his novel experience. His blog is at times introspective, witty, and sincere, often inspirational. His finances are laid bare, open for all to see as if he were dissecting a frog in a high school lab class. From his $20 haircuts to his monthly car insurance of $171, he meticulously details every expense and just about every source of revenue in his life. Mihalic even shares an itemized credit card statement with a month’s typical charges in Austin’s 20-something bars and restaurants (among the charges were a $107.85 bill at Chez Nous, an $86.80 tab at La Condesa and a $68.13 purchase at Kona Grill). Always, he writes with humor and flair on what it is like to live a remarkably frugal life–at least for a Harvard MBA.

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  • David

    Rushing to pay off 3.13% interest loans? That is a bit extreme and probably would have been better used on his mortgage. Nice story though. 

  • Guest

    This guy made some counterproductive financial moves.  Even if the interest rate was 10%, you would still want to contribute the max for your 401k match before paying off debt.  Having 0 debt is emotionally satisfying and all, but he could use some additional tips on personal finance.

  • Graeme Harrison

    Great Story, well told, with lessons for all!
    Graeme Harrison (HBS MBA ’79)

  • Sonavm

    The best story I’ve ever read!!

  • buoy-slayer

    not the sharpest tool in the box if only making 100 clicks, I’d stay in bed lmfao!

  • Guest

    Keep in mind he matriculated B-school with roughly two years of work experience with a $52K pre-tax salary givining him minimal opportunity to save.

    Someone with 4-5 years exp making $65-$70K (the year before they matriculate) who has been somewhat responsible will have more personal resources to tap during B-school.

  • Dc111263

    I think he made a great decision to pay off all of that debt.  It would have taken him 10 years to pay it off if he just paid the minimum payments.  I believe it was the smartest move he’ll ever make in his life!

  • Shirleyaschen

    He really didn’t do much damage (not contributing to his 401k while he was paying off his debt).  It was only for 7 months.  Now he has even more money with which to invest because it is not going to student loan payments.

  • http://www.facebook.com/palmer.muntz Palmer Muntz

    “Student loans are a strange animal,” he reasoned. “Unlike a payment towards a car loan or a mortgage, a student loan payment doesn’t go towards something that is benefitting me in a direct way.”
     
    Huh?!  He doubled his salary by earning an MBA and yet his student loan didn’t benefit him in a direct way??  Seems like it should be easier than that for him to connect the dots. And lest anyone feel sorry for him, it appears a good chunk of the $101,000 in student loans he borrowed went toward expenses beyond just tuition and basic living expenses while he was in grad school. He likely could have gotten through his MBA with far less debt if he had been self-disciplined, then his extravagent lifestyle after graduation was just a continuation of those habits formed while at Harvard.  But perhaps he’s learned his lesson now. 
     

  • GGt2

    So, he had $10,000 in disposable income every month? And it took him two years to figure out he should direct more of it toward paying off massive debt instead of buying a second car, a huge 3-bedroom house, a motorcyle, and god knows what else? He clearly didn’t even need to launch those side-businesses; he was just taking away work opportunities from people who probably didn’t already have $100,000/year day jobs. Am I supposed to feel like I should be following his example?

  • Liz

    He calculated that he’d pay $42,000 extra in interest over the life of the loans.
    Where in the world did you get 3.13% interest?  There are many different kinds of student loans available and there are different kinds of loans offered at different schools and to different types of degrees.  He borrowed $25,000 with 3.13% interest, and I’m assuming that was the cap amount for that loan.  Lucky him, the best interest rate I could get in 2008 when I started grad school was with the Stafford, 6.8% interest.
    Almost $70,000 of his debt was thru Stafford, both subsidized and unsubsidized (I’m guessing he didn’t qualify for subsidized loans the first year?), which is 6.8%-7.9%. 

  • SM

    I thought that quote was strange as well. The only thing I can think of is this: when you pay off your mortgage you then own the house. Same when you pay off your car loan. But when you pay off your student loans there isn’t this sense of “owning your education” because you already have the education and the diploma in your hand. I hope that makes sense. Maybe someone should leave a comment on his blog asking for clarification.

  • Filippova T

    I could tell that having business education you need to be smarter then purchase everything after being graduated.
    Good example for many! 
    I could add: in countries where no credit cards exist people are really smart to live using cash only.Without Harvard education but without bright future also. 😉

  • Jake

    I’m confused why he had to ask his roommates for the rent early. I read the month 7 progress report a few months back when he originally wrote it and he didn’t mention needing to do this. I’m guessing he probably spent too much on entertainment per usual and couldn’t make his rent payment for the following month.

  • Holly
  • Smi_josepha

    Well, he has gotten the attention he was looking for.  I would never hire a clown like this.  Went to Harvard and couldn’t do the math until 2 years later?

  • moc

    you all are running ur mouth as if u ur selfs dont
    have debt. I dont care about his financial history i give im major respect for
    doing something that most american dont even have the discipline to do. So to
    all of you haters talking as if you graduated from Harvard can go some were
    with ur debt infested lives

  • Barf

    so, you’re saying…despite having NO obstacles to overcome (other than his own privalege and over-spending habits), this young, straight, white, male, harvard-business-school-educated, guy made it??

    shocking!

  • Lol

    how does the single guy who makes 6 figures pay off his harvard grad school debt?!

    i’m sure he’s on the verge of homelessness and helplessness that so many of us are facing.

    I. NEED. TO. KNOW!!!

  • thekiyote

    It says he got the rent money early from his roommates so he could pay off his mortgage.  However he collected the rent, it most likely fell after the mortgage payment was due.  He probably went for broke to pay off his student debts, leaving him short for mortgage payments.

  • Mhyder1

     What you say is true but I think he was more concerned about the $42,000 than emotional satisfaction. An now he can contribute to his 401k as much as he likes. I think it was a good move.

  • yolo

    He did have an obstacle, his car got towed costing him ~$200.

  • http://twitter.com/lokeshjain2008 lokesh

    I think i have wasted my time reading his nonsense talk. 
    now, i have to think about reading,
    he is such an ass

  • Jimdetejas

    Great story and love the lessons of making sacrifices to accomplish a meaningful goal! Amazed and disappointed at haters and their negative comments… Jealousy is so ugly.

  • deez

    no youre wrong dude

  • The Jesus

    His examples of roughing it kill me… going to dinner at
    the Olive Garden, Red Lobster and other similarly price places… shopping at
    Kohls and his father only buying him 2 bikes and being an executive at an
    automotive company… that is not roughing it at all… My father had passed
    away when I was 5 and my family moved here from South America. I remember as a
    5 year old not asking my mother for a quarter for the machines outside of the
    supermarket cause I didn’t want to put her in a bad situation when it came to
    food or rent. I know this guy was trying
    to portray a meager background… but I would have loved living in his shoes…
    although he did make his father sound like a jerk… Also, he was purchasing a
    house and had a bunch of cars… If I was him, I would have paid off that loan much
    quicker and it probably would have been half that to begin with.

    Also, unless his 401K and IRA was invested in a dogs, he
    should have been making 3 to 7% or more… then to pull that money out, they
    charge you tax and a penalty in excess of 10%… I understand he wanted to
    satisfaction… but it came at a much larger opportunity cost… I give him respect
    for getting into Harvard… but I just don’t know what they saw in him.

    Also, just so all of you know, all MBA cost about $100K ±10K
    including living expenses. Those that
    say they are $60k aren’t including living expenses. So, if Harvard gave him a $50k and he still
    had 100k in debt, then spent 50k over necessary living expenses.

    I cannot give this dummy respect for getting himself in that
    much debt to begin with. Also, he doesn’t
    realize it but he does sound very privileged.
    At least he’s honest enough to let it show!

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    What an incredible story in my life, I am Mrs Sidney ,currently living in New York City, USA. I am a widow at the moment with three kids and i was stuck in a financial situation. Last two months i needed to refinance and pay my bills and some others serious debt. I was looking for a loan of $ 550,000.00 USD then I apply for a loan in one of the on-line loan company where i was scam about $4,800,00 usd in lending in the UK, but when I put the complain my good friend told me that the only place to get a loan on-line is DEVLIN LOAN FIRM the company is 100% guarantee that if I apply in a business loan I am to get the loan without any delay in the transaction, so i did, with a great fear in my heart not to loose money for the second time. My brothers and sister i want to let you know that there are still good people in the world we can trust and have faith on. With the advice of my friend in which I ask the company for a loan last week and to my greatest surprise i just got my loan yesterday. My hope and trust was all gone but now i new there are real loan firm we can trust. Am using this opportunity to inform you all that if you are in need of a loan, do not go else where so sick for a loan. i have found a real loan lender that can help you because he told me that the success of the societies is his pride i want you to sick for a loan in DEVLIN LOAN FIRM. Here are the company email: devlinloanfirm@yahoo.com

    And i promise you that your life will never remain the same again,

    I will be waiting to hear your own testimony.

    Mrs Sidney Faye

  • Mrs Jennifer Anderson

    Hello everyone, My name is Mrs Jennifer Anderson and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $ 100,000 USD to start my life all over as i am a single mum with 4 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender, Mr Richy Walters, he was the saviour GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 100,000 USD and i will advise any one who is in genuine need of a loan to contact Mr.Richy Walters via email at. skypebankloanfirm@gmail.com because he is the most understanding and kind hearted lender.

  • mrs jane

    Good day ladies and gentle men am Mrs Lily Brown a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don’t you try Mrs Lily Brown loan company and be free from debts, Any interested clients should contact me Asap via Emai:(mrslilybrownco9@gmail.com) for further proceeds.

    Please fill the below application form and get back if interested and
    you will be glad of knowing a loan lender like Mrs Mrs Lily Brown

    BORROWER’S DATA

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Gender:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    9)Monthly income:
    10)Loan Amount Needed:
    11)Loan Duration:
    12)Purpose of Loan:

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

    Kind Regards
    Mrs Lily Brown

  • Mr Sam Lucas

    New year loan,student loan,rent loan,company loan,business loan,montgage loan,Apply now via (samlucasloaninvestmentplc11@gmail.com) only with Amount needed,loan duration,phone number and loan purpose.

  • elvis dukeloanfirm

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  • John Mike

    hello, do you need a loan to pay off your bills or solve any kind of financial problem, kindly contact me now via email: johnlutherloanfirm1@outlook.com
    i offer all kinds of loan.
    thanks

  • John Mike

    hello, do you need a loan to pay off your bills or solve any kind of financial problem, kindly contact me now via email: johnlutherloanfirm1@outlook.com
    i offer all kinds of loan.
    thanks

  • Williams Hawkins

    Good Day !!

    I am Williams Hawkins, Working with ECO BANK PLC a Reputable, Legitimate & an accredited money
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    williamscultsloanfunds@gmail.com

    Services Rendered include:

    *Home Improvement
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    *Line of Credit
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    Please write back if interested.
    Upon Response, you’ll be mailed a Loan application form to fill. (No social
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    Yours Sincerely,
    Williams Hawkins(MD)

  • Harley Poul

    Hello Dear Sir/Madam.

    I am Mr. Harley, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : harleyloan12@hotmail.com

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

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

    Email harleyloan12@hotmail.com

    Best Regards,

    Mr Harley Poul,

  • Kenyon Winston

    Are You Financially down? Grab this life time financial loan offer and give your business,
    education, homes and construction a lift. Our loan ranges from a minimum of $10.000.00USD to a maximum of $100.000.000.00USD of 30
    years at 3.%. Contact us with the information below so that we can proceed..

    1. Full Names:______
    2. Contact Address:__________
    3.Country __________
    4. Loan Amount Needed:_________
    5. Duration of the loan: _________
    6. Direct telephone number:________
    7. Purpose of the Loan:________
    8.Age.__________________
    9.Sex.__________________
    10.Occupation.___________
    11.Monthly Income._________

    CONTACT US WITH THIS EMAIL HERE:
    iskenderdarya@outlook.com.tr

    Regards,
    Mr iskender

  • Anthony Lucas

    Good day Loan Seekers here comes a Solution for your financial problems, I Am Mr. Anthony Lucas a legitimate loan lender that offer loan to the less financial privilege bad credit scores accepted have you been looking for a loan for any purpose do you need a loan to start a business here comes the end of your financial problems our terms and conditions are very simple and the interest rate are considerable we give loans out with a low interest rate of 2%. You will never regret anything in this loan transaction because i will make you smile. because you were not born to be a loser i want you to understand the fact that we give out long term and short time loans what are you waiting for asap why don’t you try Mr. Anthony Lucas Loan home and be free from debts Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan any interested client should contact me asap (anthonylucasloanhome@yahoo.com)

  • Allan Staton

    Hello Every One, I am Mr Allan Staton From Carlifonia U.S.A, I quickly want to use this medium to shear a testimony on how God directed me to a real loan lender who have transformed my life from from being poor to a rich man who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $10,000 i became so desperate in getting a loan from a real loan lender online who will not add to my stress, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Aliton Bernard Jones who is the C.E.O of BERNARD INVESTMENTS LIMITED So i applied for a loan sum of (400,000.00USD) with low interest rate of 2%, so the loan was approved easily without stress and all the preparations where done concerning the loan transfer and in less than three(3) days the loan was deposited into my bank so i want to advice any one in need of a loan to quickly contact him via: (bernardinvestmentlimited@hotmail.com) he does not know am doing this i pray that God will bless him for the good things he has done in my life,and that of my family.

  • Mr Wood Barry

    Hello Dear Sir/Madam.

    I am Mr. Wood Barry, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : woodbarry12123@gmail.com

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    1. Full Names:……………………….
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    3. Loan Amount Needed:………………..
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    Best Regards,,

    Mr Wood Barry

  • Mrs.Theresa Sandra

    Hello every one am here to share with you a secret that will change your life forever,My name is Mrs Theresa Sandra for more than 4 years i have been searching for an online loan but there was no body to help till i finally meet Mr Mago Madoz a private lender,he help me by lending me an instant loan of $50,000.00 in less than 24 hours now am so happy that i want to tell every one how kind Mr Mago Madoz is . for those of you who are looking for an online instant loan quickly email Mr Mago Madoz on Via: (zklender@aol.com) i wish you good luck.

    Mrs.Theresa Sandra,

  • Micheal Roben

    Hello everyone, My name is Micheal Roben, a citizen of USA; am 42 years of age. I want to inform you all about the goodness of the lord for finally leading me to a really and genuine loan lender named Mrs Jeff Matida, the managing director of Jeff Matida Loan Company after been scammed by other fake lenders, i was hopeless and didn’t know who to trust while he came and put a great smile on my face at my greatest surprise. Anyone of you that have also been a victim of scam, you should bother no more cause, i have bring you good news and the only lender you can trust, just contact them now via email: {jeffmatidaloanfirm@gmail.com} for more info on how to get your loan. And once again thanks be to Mrs Jeff Matida for giving me a loan of 500,000.00 USD

  • Micheal Roben

    Hello everyone, My name is Micheal Roben, a citizen of USA; am 42 years of age. I want to inform you all about the goodness of the lord for finally leading me to a really and genuine loan lender named Mrs Jeff Matida, the managing director of Jeff Matida Loan Company after been scammed by other fake lenders, i was hopeless and didn’t know who to trust while he came and put a great smile on my face at my greatest surprise. Anyone of you that have also been a victim of scam, you should bother no more cause, i have bring you good news and the only lender you can trust, just contact them now via email: {jeffmatidaloanfirm@gmail.com} for more info on how to get your loan. And once again thanks be to Mrs Jeff Matida for giving me a loan of 500,000.00 USD….

  • Mr Wood Barry

    Hello Dear Sir/Madam.

    I am Mr. Wood Barry, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : woodbarry12123@gmail.com

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others..

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

    Email woodbarry12123@gmail.com

    Best Regards,

    Mr Wood Barry

  • Anthony Lucas

    Good day Loan Seekers here comes a Solution for your financial problems, I Am Mr. Anthony Lucas a legitimate loan lender that offer loan to the less financial privilege bad credit scores accepted have you been looking for a loan for any purpose do you need a loan to start a business here comes the end of your financial problems our terms and conditions are very simple and the interest rate are considerable we give loans out with a low interest rate of 2%. You will never regret anything in this loan transaction because i will make you smile. because you were not born to be a loser i want you to understand the fact that we give out long term and short time loans what are you waiting for asap why don’t you try Mr. Anthony Lucas Loan home and be free from debts Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan any interested client should contact me asap (anthonylucasloanhome@yahoo.com)

  • Elvin Morrison

    Attn: Loan Offer Apply Now

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

    I am Elvin Morrison, a Private Money Lender do you need a loan to start up business or to pay your bills and a corporate financial for real estate and any kinds of business financing. I also offer Loans to individuals,Firms and corporate bodies at 2% interest rate. I give out loan to serious minded people that are interested of loan if interested contact this email: elvinloancompany@yahoo.com

  • Rose Margret

    Good day everyone,Am Rose Margret by name,Am from new USA Chicago, i have been looking forward for a genuine loan company for the past 4 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $3500usd without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told her all that happened and she said she can’t help me, that she knows a loan company that can help me, that she just got a loan from them, she directed me on how to apply for the loan, i did as she told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 28 hours, i could not believe myself,Am happy and rich again and am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (lovethmiller23@gmail.com)and be free from scams on the internet. they will never disappoint you.All they want from you is just your trust and understanding,and you have to be faithful to them so that they can also do it as they did mine,Thanks

  • Precious Ovia

    Hello, i am Mrs Precious Ovia, 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 contact us today via email at: (preciousovia39@gmail.com)

  • mhay biarulla

    hello

    Apply for a quick and convenient loan to pay off bills and to start a new financing your projects at a cheapest interest rate of 3%. Do contact us today via: elijahloanfirm@outlook.com with loan amount needed as our minimum loan offer is 1,000.00 to any choice of loan amount.I am certified ,registered and legit lender.You can contact me today if you are interested in getting this loan, contact me for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you I need your urgent response if you are interested.

    Thank you

  • Anthony Lucas

    Good day Loan Seekers here comes a Solution for your financial problems, We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan why don’t you try Mr. Anthony Lucas and be free from financial bondage Our interest rate is 2% per annual repaid, our loan takes a maximum of 24 working hours,to get to all approved customers across the globe.You can contact us via Email: (Anthonylucasloanhome@yahoo.com)

  • Anthony Lucas

    Good day Loan Seekers here comes a Solution for your financial problems, We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan why don’t you try Mr. Anthony Lucas and be free from financial bondage Our interest rate is 2% per annual repaid, our loan takes a maximum of 24 working hours,to get to all approved customers across the globe.You can contact us via Email: (Anthonylucasloanhome@yahoo.com)

  • Joshua Mark Williams

    Hello are You Financially down? Grab this life time financial loan offer and give your business, education, homes and construction a lift. $10,000.00 to $50,000,000.00 with a maximum of 60 years at 2.0%. Contact us with the information below so that we can proceed.Email us at: firsthomemortgage@outlook.com

  • Ronnie Finance

    Are you in need of urgent financial assistance for a personal purpose or for your business needs? Here is some good news for you. We offer loans to individuals or corporate firms at the lowest annual percentage rate.

    Contact us today to get:-

    *Hard Money Loans

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    …And Lots more

    Email: ronniefinaid@outlook.com

    Thanks

  • Elvin Morrison

    Attn: Loan Offer Apply Now

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

    I am Elvin Morrison, a Private Money Lender do you need a loan to start up business or to pay your bills and a corporate financial for real estate and any kinds of business financing. I also offer Loans to individuals,Firms and corporate bodies at 2% interest rate. I give out loan to serious minded people that are interested of loan if interested contact this email: elvinloancompany@yahoo.com or (213) 471-7152

  • Mark Agoni

    if you need a loan or financial assistance of any kind, contact me now with my email address :luckycreditfinance@gmail.com
    Your problem of getting a loan will be solved, we offer short,medium and long term loans, contact us now and get your loan.
    await your response.
    contact us on email with :luckycreditfinance@gmail.com

  • Harley Poul

    mit fotók, hogyan beszélsz, ????Hello Dear Sir/Madam.

    I am Mr. Austin, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : austinloan12@outlook.com

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

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

    Email austinloan12@outlook.com

    Best Regards,

    Mr Austin

  • Iram Vielberth

    Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: barrymoreloans12@hotmail.com

    Thanks,
    Mr. Barry More

  • Wood Barry

    Hello Dear Sir/Madam.

    I am Mr. Wood Barry, a private money lender. I give out loans with an
    interest rate of 3% per annual and within the amount of $1000.00 to
    $500,000,000.00 as the loan offer. 100% Project Funding with secured and
    unsecured loans are available. We are guaranteed in giving out financial
    services to our numerous clients all over the world. With our flexible
    lending packages, loans can be processed and funds transferred to the
    borrower within the shortest time possible. We operate under clear and
    understandable terms and we offer loans of all kinds to interested clients,
    firms, companies, and all kinds of business organizations, private
    individuals and real estate investors. Just complete the form below and get
    back to us as we expect your swift and immediate response. EMAIL :
    woodbarry12123@gmail.com

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will
    profit you? and you don’t know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

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

    Email woodbarry12123@gmail.com

    Best Regards,

    Mr Wood Barry

  • http://www.neurope.eu/article/one-billion-answer-commission-reacts-ukraine%E2%80%99s-urgent-needs Moris Fred

    Hello every one, I am Julian Martins by name and i live in Ohio U.S.A 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 $2,210 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. Mohs James who is the C.E.O of the company, So i applied for a loan sum of(310,000.00USD) with low interest rate of 2% 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: ( mohs_james@yahoo.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…..

  • Robert Jack

    Hello,

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  • lynn good

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    HOW I GOT A LOAN FROM BERNARDINVESTMENTLIMITEDLOANCOMPANY. I’m Lynn Good by name, from Auatralia, I am a widow at the moment with three kids and i was stuck in a financial situation in March 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate and banks but never with success, and most banks declined my credit. I was searching through the internet on the 1st of June, then i saw a testimony from one Mrs Anais Harvey who got her loan from BERNARDINVESTMENTLOANCOMPANY, then i contacted Mrs Anais Harvey to know more about BERNARDINVESTMENT Loan Service, then he gave me BERNARDINVESTMENT Loan Company email details, then i contacted the loan lender both private and co_operate, and he gave me a loan of $185,000 and today am setting up a good business and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact BERNARDINVESTMENTLIMITED. contact him through his email: {bernardinvestmentlimited@hotmail.com }.I want God to bless him for me because he has made me who i am today………………

  • lynn good

    HOW I GOT A LOAN FROM BERNARDINVESTMENTLIMITEDLOANCOMPANY. I’m Lynn Good by name, from Auatralia, I am a widow at the moment with three kids and i was stuck in a financial situation in March 2015 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate and banks but never with success, and most banks declined my credit. I was searching through the internet on the 1st of June, then i saw a testimony from one Mrs Anais Harvey who got her loan from BERNARDINVESTMENTLOANCOMPANY, then i contacted Mrs Anais Harvey to know more about BERNARDINVESTMENT Loan Service, then he gave me BERNARDINVESTMENT Loan Company email details, then i contacted the loan lender both private and co_operate, and he gave me a loan of $185,000 and today am setting up a good business and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact BERNARDINVESTMENTLIMITED. contact him through his email: {bernardinvestmentlimited@hotmail.com }.I want God to bless him for me because he has made me who i am today……………..

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