We were courted by Wells Fargo Financial. We took out the very high interest loan as a temporary "band-aid" loan to help get me through college. Trying to make the most of it, we made extra principle payments. They never applied the funds to principle. They made them to interest! I called several times and it was never explained well or adjustments made. When we re-financed our loan away from them they gave the closing agent a pay-off quote then sent the check back and required us to pay an additional $1600 in order to close... read full review »