They will not lower our monthly payments and we can not afford $1, 612.65. We told them that we can not afford these payments and they will not work with us. We are 5 months behind because we lost our jobs and are looking for new ones. The interest rate is 8.6 and it is way too high. While we were working that was okay now we are not working and can not afford it and they will not work with us. They keep saying we need $1, 612.65 for 3 months straight and then they will reconsider a payment plan. If we can not afford 1 payment that high how... read full review »