I have been paying them for years since I was in college. My student loans are almost paid off before their $500.00 credit limit that is now $1238. 26. This is the biggest scam going. I paid them each month online through my bank account and then they had the nerve to serve me at my door with a judgement. An effn judgement!! I went to my bank printed off the years I've been paying them well over the amount and then went down to the county clerk to file against them. They will not see another red cent from me EVER!! I hate them! Please do not join or you will be very sorry. read full review »