Prosper part 2

I made my request for a loan through Prosper. I have gotten no bids yet but have gotten messages from four different groups on there, all offering to take me into their folds. The groups form to create lending and borrowing power. I am frankly at a loss to figure out which group I should join. It appears that going it alone is a lot more difficult. People want more of an assurance that the loan will be paid back and when one is part of a group that assurance is there. Rather like group insurance.

So this will be the next challenge: to figure out which group.