I was led to believe that an Enrollment Fee charged to my credit card, which I was told would be rolled into my debt because it was considered" other people's money" was to be used to pay MY debt - then I find out the fee actually becomes theirs! And the still charge a monthly fee on top of that! When I contacted them and asked that the contract be cancelled and my money refunded they tell me its non-refundable. They have you initial on line and accept that as a signature. Had I read some of the complaints on line, I would have never gotten involved with these people, they are smooth talking rip-off artists.