My name is Michelle Aybar. I currently work for Microsoft, and have been an employee since 2009. I am a Procurement Specialist for 11 countries in Latin America and I am in the US at the moment taking a Leadership and Management Certificate, while working from here at the same time. During this time I incurred some costs which I charged to my credit card in books, rent, course payment, and just gen. living expenses. I owe 4000 in one credit card and 1500 in another. I would like to consolidate this debt into one loan which I can easily pay without the huge interest overhead for 2 cards. My plan is to set installment payment dates for the 15th of every month, which is when I get paid, setting an automatic transfer straight from my debit account if possible. With this I hope you can be at ease and confident of repayment. If you need to validate any information you can find me on LinkedIn as Michelle Aybar or email me at [email protected] Looking forward to hearing from you soon!