'Guest'.....I've seen PDL's ONLY give you a 'loan', if you're "serving overseas." I wish i remembered the name of it..it's been so long now. Apparently.....if you're serving somewhere BESIDES in the US, the PDL company ASSUMES they can 'get you' that way. When I was overseas, we used the computers, at a MWR tent. As soon as you turned the things on, you saw ALL KINDS of ads, for PDL's. " Are you serving overseas, can't wait until Payday?", etc. Disgusting!!