<prompt> Human: I was recently referred to Lending Club from a recommendation from a member here and I am curious if I can get some feedback from someone here about a loan I was offered. I am relatively new to managing loans but I have an OK credit score at 718, Im 25 years old, I rent, I have about 7k in debt right now 3k of that from replacing a septic line, and I am just really confused about the gigantic interest rate I was offered by lending club for a debt consolidation. I have random amounts on a bunch of different cards, but the total of the payments on the cards together is really stretching my budget so I decided to try to consolidate. The rate I was offered was an insanely high 24, is this likely because I opted for a 60 month loan for the low payment or is it more likely that I just dont have enough credit history? The only major issues Credit Karma said was total accounts and age of credit history, I have perfect payment histories and no derogatory marks. Am I missing something here? How is it that they gave me such a huge interest rate when Ive never paid late and Ive got a good score?  <response>: Wait, if you rent, why do you have 3k in debt from replacing a septic line? 