The Institute can help borrowers compete more effectively for lower interest rate loans with new people-to-people lending marketplace where individual borrowers and investors  come together to  borrow  and lend money  to each other  without the  need and  hindrance of banks and without any closing costs.

Individuals and small businesses who may be seeking loans can now use the Institute to take advantage of a new internet marketplace that connects lenders and borrowers together, just like EBay connects buyer and sellers together in a competitive bidding environment.

Until now, banks and credit card companies have controlled, who can receive a loan, the interest rates people pay and who is even able to obtain credit. With the Institute, individuals have the opportunity to take control of consumer credit by dictating the terms of their own uncollateralized loan and placing it up for bid in an online auction. The Institute assists new members and helps drive down their interest rates even further because of its collective repayment history.”

Borrowers who use the Institute can get even lower interest rates from lenders if they are also utilizing the Automatic Debt E-Racer^® Program. This is because the lenders know that their loans will be properly managed by the ADE^® Program. The character and reputation of the Institute as well as the track record of the ADE^® Program give lenders more confidence their loans will be repaid on time and in full.

The institute can help people with FICO Score as low as 520. Obviously, the lower the score, the higher the cost of interest. Rates can vary from 8% for good scores to 20% or higher for people with a challenging credit history.

Interested individual lenders and investors can also participate in the Institute by making uncollateralized loans to other individuals. Lenders can search for loans that meet their specific criteria, including: 1) credit scores; 2) debt-to-income ratios; and 3) historical default rates and etc. Lenders minimize their risk by bidding on many small loans across different credit grades instead of concentrating their money in one big loan to a single individual.

If you are interested in becoming an investor or a borrower with the Institute or if you would just like to know more about this unique people to people lending approach just do the following. There are no costs or obligations to join today.

If you would like to know more about the Interest Reduction Programs, just e-mail Margie at IYD@InvestinyourDebt.com, or call her at 888 913 8786