I payed 2.09 in shipping and handeling for what was supposed to be a free cd to help show you how to get grants and loans to help with your school expenses. What a scam this was. This company has since charged my account 59.95, then they put in a charge for 12.95, then they put in a charge for 19.95, and to top it all off they then charged me a .60 foreing transaction fee. They even used several diferent company names to process these charges but they all link back together. Subsequently I have shut down my account, reported this fraud, and my bank is investigating this situation.