I just want to say that I am fed up with Beneficial. My husband got a loan from them in 2005 for $8500 and we have paid approx. $8300 towards it. They say we still have a balance of $7400 owed to them. So, we figured out that if we continue to make the payments to them in the amount they have set up it will take 35 more years and total approx. $77, 000.00!!! Yeah, are you freakin kidding me???? These people are uncooperative and immpossible to get anywhere with. I wanted to pass on the info tha tI filed a complaint with the FTC about this company. Possible with enough complaints directly to them maybe we can get someone to listen and do something about it. I know its a long shot but... here it is, https://www.ftccomplaintassistant.gov/