My middle school's required programming class sparked my interest in computer science. I cannot commend my school highly enough for adding this course to their curriculum, for I would not have taken it otherwise. I discovered that I enjoyed logical thinking, and I excelled in the course.
In high school I requested to skip the Intro CS class. My request was denied, and I felt frustrated by the repetition of the material, the manner in which the class was taught, and the lack of women in the class. That was the only programming class I took in high school. Insecurity and intimidation of the male dominated field dampened my interest in programming until college.
I began college with an interest in the humanities and an intended major in anthropology. My sophomore year I enrolled in a CS class to fulfill a requirement. I remembered what I had loved about programming and chose to switch my academic focus. The initial passion I had felt for computer science was rekindled.
At around the same time that I was discovering computer science, many of my friends were majoring in linguistics, so I enrolled in a course out of curiosity. I fell head over heels in love with linguistics. It was logical and structured like computer science. I liked the fact that it was more quantitative than anthropology but still overlapped with the humanities in the form of linguistic anthropology and psycholinguistics. I had finally discovered my academic loves, and this was reaffirmed by the overlapping themes in my classes. The thread uniting them was logic. Finally, my life was falling into place. I graduated with an A.B. in linguistics, a minor in computer science, and a desire to better humanity through code.
After college, I took a year to get settled in on the west coast. I picked up html/css and put my new skills to use building websites. Now that I'm fully adjusted to west coast culture, I'm plunging into my career as a full stack developer. I learned theoretical computer science in college, but developers need an entirely different skill set, which I'll be learning in an intense 12 week coding bootcamp called Hack Reactor, often considered one of the top schools of its kind in the country. After graduation, I'll be able to embark on my dream career. Logic and puzzles come naturally to me, and I've already had a taste of what it was like to be a web dev, as I completed a 3 month internship last summer, which solidified my career choice. Software development allows me to combine my creativity and imagination with my love of logic. I aim to build assistive technology for the disabled or mentally ill. I believe technology isn't just for chat applications and twitter clones but can be used to improve lives.
I already received a loan covering my full tuition. Your money will be only used for my expenses during the 3 month period I'll be attending Hack Reactor. This includes my rent ($650/month), food ($350/400 a month. With 12 hour days, 6 days a week I will have very little time to cook), transportation into the city ($250/month), and miscellaneous expenses, including all non-food related purchases and emergency medical bills ($200/month).
Hack Reactor claims a 99% employment rate with an average salary of $105k. I plan to find a job as soon as possible and begin to pay off my loan. I am financially responsible, have a good credit score (715), have only missed one credit card payment, and continue to pay off my student loans monthly despite the fact that I'm unemployed. I should have no difficulty paying off my loan.
There are way too few women in tech, so please let's change the ratio and start building technology helps humanity.
I graduated High School in 1990 and began working in construction shortly after that. Eventually I became a General Contractor building small residential homes. When the housing market crashed in 2009, we lost everything. When we lost our house, we lost our entire savings as well. For the next year I tried to start several small businesses, but with the economy in the dumps, they were not successful. Then, in June of 2010, I was diagnosed with Male Breast Cancer. It was at this point that my wife and Mother-in-Law convinced me that I should return to school to pursue a new career. During my surgeries for cancer, I met some great nurses and in particular, a nurse anesthetist (CRNA) that really impressed me. I was able to shadow that CRNA a few months later and it was then that I decided that I wanted to become a CRNA as well. I had virtually no college credit so I began at Community College in the summer of 2010, shortly after my final cancer surgery. Two years later I transferred to ASU and graduated Summa Cum Laude in 2014 with a Bachelor's degree in Nursing.
CRNA schools require at least 1 year of ICU experience before they will let you apply. I have been working as an ICU nurse for the past year and a half. I was recently accepted into the Nurse Anesthesia program at the University of South Carolina. Classes begin in January of 2016. I have been approved for some federal loans for school, but the amount of money they will lend is based upon tuition and cost of living for 1 person. It just isn't enough for a family.
The Federal loans I have received will cover the cost of tuition and books, but it leaves a void for other expenses. This money will be used to cover expenses such as gas, food, and housing during my first year at school. My wife is becoming certified to teach K-6 and hopes to begin working at the beginning of the next school year. With my loans and her teachers salary, we feel like we can make it. We just need a boost to get started. We thought about a GoFundMe page, but don't like the idea of asking people to give us money. This site allows us to borrow money via crowd sourcing and repay the money in full once we finish school.
The CRNA program is 2 1/2 years. I will graduate in May of 2018. I have heard it takes several months to get all of the licensing and certifications necessary to begin working, but the average starting salary for CRNA's is close to $150,000 a year. Paying back this loan will be my top priority after graduation. I will not be able to make payments on this loan until after graduation, but it will be the first loan I pay back.
What this loan will be used for
I was recently accepted into Hack Reactor's January 11th cohort. Hack Reactor is an intense 13-week software development "bootcamp" that trains people to become expert computer programers. It reports a 98% placement rate with an average starting salary of $105k per year. Hack Reactor is considered by many to be the best software development bootcamp in the world. With a 3% acceptance rate, it is more selective than Harvard, Princeton, or Yale.
This loan will primarily pay for my tuition to Hack Reactor ($17,780). It will also help finance my living expenses while I am attending Hack Reactor, and for the few months of job hunting after the program is over.
I received a B.S. in Environmental Science and Technology from the University of Maryland in May of 2014. While attending college, I co-founded a non-profit called the Food Recovery Network (FRN). FRN collects excess food from dining halls and sporting event, food that would normally be thrown away, and delivers it to people in need. I was a part of FRN's initial national expansion. FRN now has more than 150 Chapters and has recovered more than 944,000 pounds of food. After college I did a year of service with the AmeriCorps Watershed Stewards Program (WSP) as a Team Leader. The mission of the Watershed Stewards Program is to conserve, restore, and enhance anadromous (salmon and trout-bearing) watersheds for future generations by linking education with high quality scientific practices.
I am passionate about the nexus between humans, computers, and the environment. With an exponentially increasing human population, intensifying climate, and an ever expanding globally connected world, these are the most important areas in which to work today. Instead of going back to graduate school, I want to become a software developer and maximize my impact in these three fields. Attending a software development bootcamp is the fastest and most effective way of doing this.
My credit history and ability to pay
My current credit score is higher than 750 and I have never made any late payments. I am confident that I will be successful in this program, and be able to obtain a software development position within three months of completing the program (July 2016). With these two factors in mind, I will have no problem paying off this loan within two years. I would be so grateful if you chose to invest in me and my future.
I'm Jason and I received an Associate in Science at Utah Valley University in 2014.
This loan will be used towards my Hack Reactor education and some living expenses. I have never been in debt because I always made sure to pay off every credit card bill and rent check each month. Unfortuntely, this will be the first time I will require a loan because the cost is too great but the return will be even greater!
I will pay my loan off as quickly as I possibly can. I plan to maintain my modest living habits until I have fully paid off my loan. As I said before, I have never been in debt because I control my spending on things that matter and I have never been late on payment... ever. My current credit score is 773 and will only go up because of my good spending habits as I build more credit history. Though I won't have a job for the next 4 months while I'm in the program, I'm confident that I will have one just after graduating from Hack Reactor.
I obtained a bachelor's degree in International Relations in 2014, but I was one of those unfortunate high school graduates with no direction, so I blindly chose a major that included a couple topics of interest; worldly issues and travel. Though I thoroughly enjoyed this major and had the opportunity to study abroad with this focus, I ultimately chose a degree with which I did not want to pursue a career.
Having worked in restaurants all throughout high school and college, I began dabbling in careers that my IR degree geared me towards. I worked as a Canvass Director at Environment America and pushed myself out of my comfort zone. I had a passion for the issues, and though I am interested in politics, I know I did not want a lifelong career in this. Computer science briefly crossed my mind when I was younger when I dabbled in modifying scripts and designed (simple) layouts for my online presence.
I'll use this loan to take a four month long class at Epicodus and finally kick off my career as a Web or Game Developer. I haven't been able to save money for a while due to rent, various bills, and other student loans, as well as a family tragedy that financially set us back quite a bit, so this loan is very necessary for me to get through these four months. I'm excited to have a concrete goal and I know it will be a great investment.
I've always had great credit, I have NEVER been late on a student loan, utility bill, or rent. I'm a bit OCD with budgeting and have my priorities straight when it comes to finances. Having been independently paying my rent/bills since I was 18 has taught me self-discipline in regards to money. More importantly, I'm commited. During college I had two jobs just to ensure my bills were being paid, and miraculously managed to still get decent grades.
Hi everyone, I’m borrowing some money at 4% annual interest. I’d love for you to become one of my lenders. It's a great debt rate for me, but also a worthwhile return for you, and I hope you’ll agree by the end of this post! Either way, I really appreciate your consideration.
What you’ll get
WeFinance makes everything super easy. You’ll get 15 automatic monthly repayments deposited directly to your bank account, starting 9 months after this campaign closes. So you’ll start getting repaid late Aug / early Sep 2016, and be fully paid back by the end of 2017. Interest will accrue right away, at 4% compounded monthly. A $5000 loan would earn back about $5290 under these terms. That’s more than you would earn investing in a bond index fund right now. If you keep reading, I’ll explain what makes me a safe place to put your money.
How I’ll use the money
I was recently accepted into Hack Reactor, a super selective and intense 12-week coding bootcamp. After 3 years working in the SF tech industry, I’m now making a transition from tech community work to full-time programming. This loan will help cover tuition and living expenses until I secure a programming job after the program.
My minimum target ($12,500) is based on the scenario where I suspend my student loan repayments (which I’ve already done), and withdraw $11,000 from my Roth IRA account.
My maximum target ($25,000) allows me to continue paying my student loans and maintain some investments, while ensuring I can still comfortably afford the loan repayments ($1763.49, in that scenario).
Why I’m a safe investment
Hack Reactor has a stellar reputation and track record. Only 3% of applicants get in, and 99% of graduates get a coding job within 3 months of the program, with an average salary of $105k. I’m confident I’ll do the same. Hack Reactor has the transparency and alumni testimonials to back up the stats. I personally know many Hack Reactor graduates as well.
Financially, I have great credit (high 700s), and have never missed a payment in my life. I’m also a bit of a finance geek and have experience managing a limited budget through a career transition. When I first moved to the Bay Area, I had no tech experience, no network, and only $2000 in cash. I took out $6000 in credit cards offering 0% intro APR for 12 mo, and used that combined $8000 to move from NY to CA, build a network from scratch, and get a tech startup job, all in time to pay off the credit before the 0% promotional period ran out. I have modeled my cash flow for the next 2.5 years *precisely* and know exactly how much I need to borrow (with safety margin built in, of course). Spreadsheet available upon request.
More importantly than that: I’m raising this loan directly from my friends and family, and I would never ever let them down. My first pledge was from the same person who got me my job at Meteor; she’s a good friend, and my former boss and coworker. Defaulting on this loan would damage reputation that I’ve worked very hard to get. Even if something totally unexpected and disastrous were to happen, I would find a way to pay back this loan with full interest.
So that’s my story! Pledge button is below. Please feel free to write me directly at [email protected] if there’s any question I haven’t answered for you, and thanks again for your time.