Last month was an interesting month…  I opted into the new agency test.  The new agency test is a pool of delinquent loans that Prosper has chosen to sue in the state of California.

I have 6 loans in the test. To opt in all the loans were marked defaulted.  As such I was expecting my quicken ROI to decrease.

The real answer will only be evident after the entire loan pool has been executed. 

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