hi this is Tom Johnson Senior underwriter uh I was trying to give you some feedback this is Tom Johnson Senior underwriter here I saw that you were interested in a personal loan through 1 of The Lending partner and it seems like they didn't provide you with a satisfactory approval uh looking at your file I can get this done for you and funds can be available to you in a couple of days because of the relationships I've built with these lenders over the past 14 years that uh makes it easier for me to get some leniency from their funding unit let's say if you borrow 38,000 range based on what I can see and at 5.89% your payment will be around 639 and I can get them to work with us with bi-weekly payments around 296 I can try to bump it up if you need more and also I can reduce the payment if you borrow less