What they don’t reveal about this company is their negative reviews about how difficult they make it for you to make your payments. They get as man people as they can to sign up with them for a high upfront fee. Then they make it difficult for you to contact anyone or get into your account online to make your payments. Since signing up with them I have not paid one payment on time because I can’t get ahold of anyone. They charge you a lot of money for late payments, plus a service fee. You can’t get out of it. They make it seem like they are going to be your consolidated debt savior but they make everything harder on you in reality.