Hello and thank you for taking the time to read this. My name is Andrew and I am 58 years old. The past year has been one filled with challenges. In February, I was cut off by another driver and wound up totaling my car. With what I was given by my insurance I was able to find transportation ,but it it not reliable. On April 20th, I suffered a heart attack. I was taken to hospital and had a stent put in my left anterior descending artery. This artery is known as the “widow maker” because when it becomes blocked, it usually results in death. My artery was 100 % blocked. I am very fortunate to be alive. The heart attack kept me out of work for some months. I am now back to work and feeling great. I have followed all of my doctor’s recommendations as to diet and exercise. Unfortunately, I have many bills that have piled up the past year. I am looking for a loan of $20,000 dollars which would allow me to pay off my debts and either repair my car or find a more reliable vehicle. I am not looking for a gift. I want to pay the money back. It is very humbling to have to resort to writing this, but I hope someone reads this and can see I am genuine in my desire to not just accept a gift. Again, I thank you for any consideration given to me.