i will find out if they are a ripoff but i do know i have ask them why they call themselves a christian company and boy they get upset and say dont start interviewing me just ask quesions, i dont think any of them are christians . so far they havent done a thing for me i have been in program a yr , they really dont act as smart as i am so i am getting a little nervous over this company , dont use god to sell anything , just be as good as your word oh yes they say you can save 50 to 60percent off your debt but once you are in it is totally different