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Isaac Juarez Phone: 909-784-2467
Isaac Juarez is an experienced writer with degrees in both Political Science and European History from the University of California in Riverside.

As a student, Isaac wrote for the Highlander Newspaper, covering local news stories ranging from basic campus happenings to the men’s basketball team’s budget abuse scandal.

He also had the opportunity to study Medieval Warfare in Scotland for one summer where he visited castles, saw battle grounds, wore armor and enjoyed sampling the finest beer Scotland has to offer.

Coupling his unique experiences as a student with his time as both a congressional campaign intern and an Eagle Scout, Isaac hopes to write articles that will turn the often mundane subject of lending into something very engaging for readers.
Latest Articles from Isaac Juarez Google Plus Email: isaac@loans.org
Red siren
Thanks to online tools, a robust lending industry, and an increase in borrower education, applying for a personal loan has become very easy to do. Unfortunately, however, scam artists and unscrupulous lenders still remain a threat to borrowers. Awareness of the following warning signs when looking for personal loans can help borrowers avoid scam artists and bad loans. A guaranteed personal loan may be a sign of a scam. By claiming to approve anyone and everyone, a bad lender aims to attract...
Smiling salesman with keys to new car
Despite the ongoing unstable economy, both new and used car ownership has increased. A major reason for this trend is that buyers are now able to find obtainable loans. By relaxing their credit requirements in the first quarter of 2012, auto lenders were able to provide loans to borrowers with subprime credit scores, cut interest rates, and extend loan terms so that repayment would be easier for new borrowers. According to Experian’s May 2012 report, the amount of new subprime car loans...
The Pennsylvania Capitol
The Pennsylvania House of Representatives has approved a bill designed to regulate payday loans. The bill, which was put forward by Rep. Chris Ross, R-Chester, won with a 102-90 vote. Democrats in the state resoundingly voiced opposition to the bill and largely voted against it. Now that it has passed in the House, the bill, more formally known as HB 2191, will move on to a vote in the State Senate. In its current form, the bill mandates that payday loan companies must obtain licenses to...
flying balloon home
Balloon loans are mortgage loans that come with a larger-than-usual payment at the conclusion of terms. In general, a balloon payment will be more than one and a half or two times the average monthly payment of the loan and, considering the large sizes of most mortgages, it can be up to tens of thousands of dollars. Imagine holding a balloon for five minutes but on the final minute being ordered to inflate it. The deflated balloon was small up until the last minute when it massively increased...
menacing shark in the water
A 56-year-old Poway woman named Lirio Lee Ramos has been charged with 14 counts of loan sharking. Ramos, 56, pleaded not guilty to the misdemeanor charges. The criminal complaint states that Ramos gave personal loans to 14 people between May 2009 and December 2010. Each of the loans had an interest rate that was in excess of 10 percent, which is the maximum allowed by California law. Certain businesses are permitted to set their own interest rates above 10 percent, as credit card holders know...
Man moving dollar signs into a stack
With the current sluggish economy many student loan borrowers may be finding it difficult to meet monthly payments, especially if they have exhausted their deferment and forbearance options. For many people, student loans are just another bill in a long list of monthly payments ranging from credit cards and insurance to mortgages. For others, they’re a financial burden, threatening to produce damaging effects on borrowers’ credit histories. Fortunately, there are a number of options available...

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