What my husband and I thoght to be a great vacation option from Travel Advantage Network (TAN) has been nothing but a scam and rip off. For 1 year we have paid for this package never receiving the "so called" free cruise that was used to lure us to purchase their package. Now we are being told we owe them money for monthly service fees. No notifications have been sent and only a phone call with a rude agen informing us that we must pay. To top that we were never told that a loan was done for the package. To date no one has called to address our concerns...DO NOT DO IT YOU WILL REGRET IT!!