So what is temporary credit? I was lured in by a recruiter who would not leave me alone until I understood that ITT was the the best choice for me. Itt Does prey on minorities and and low income people who normally wouldn't go to college. I got suckered in. BAD. They offered me temporary credit with zero a.p.r. . Then after the next time you go in to fill out student aid papers they tell you that you owe them $200.00/ month and that they can send you to collections any time they want to so start paying up. They don't get state funding, therefore their tuition is absolutely enormous. They charge you for books and kits you never use. like $400.00 for something you could buy at Michael's for $30.00. They hold meetings regularly telling their finance department to get rid of a students temp. credit asap. Sign them up for student loans. If I decide to go with their student loan program and graduate I will owe $425.00/month for the next 10 years with up to a 24% a.p.r. depending on how my credit is. They will hound you to sign these papers, going as far as pulling you from the middle of class to talk you into it. The education is not worth what they sell. Their turn around rate is disgusting and anyone thinking about it should stay away. I wish I did.