I'm just two months from completing my FDRS program, and I'm debt-free. FDRS lived up fully to every promise they made and never charged me a penny more than they told me up front they would. If you don't like the education they give me along with the program, then you don't like the truth and may as well stay a slave like everyone else. There's no hope for you. But yes, this is an excellent program, one of a kind. Try to get on the waiting list if you can--they are so overwhelmed they're not taking new clients at this time.