Here's a recent finding by the Cleveland Fed:
As for Lending Club, price may retrace back to $5 region before heading south as per . Early bird entry is just below $4, but I expect the big selloff below $3.46 where price action has not traded before.
Out of your ranges are you expecting any specific point to wind up being low. Are you thinking this will go sub $2 or will it somehow find footing 2-3.50+/-