i have a personal loan through citifinancial. when i got this loan in august 2008, i added on the 'unemployment benefit', meaning if i were to lose my job, my loan would be paid for me after 31 days of unemployment. i made my loan payments on time in full up until october of 2009. my husband and i had been through rolling lay offs at our jobs, and both of us had lost several hours every week at work. my loan office in york, pa offered a diffurment for five months, which i accepted as my household income had fallen... read full review »