If you want to get funded at btcjam, i would suggest working on your profile...
Personally, i only look at A+, A and A- profiles... If i know they guy/girl from the forum or real life, i might consider B+, but i would never fund a loan from somebody with a C-profile...

I know it's hard and they ask a lot of private stuff, but it does make a difference what kind of account you have i'm afraid.