DO NOT GO TO THESE GUYS FOR MONEY TO PAY OFF ANYTHING!! It is a vicious cycle of heartaches and heartaches. I cried myself to sleep many nights trying to fig out how I was ever going to pay them back. I worked my butt off to make double payment and then borrowed money from a family member to pay them off in full. DO NOT BORROW FROM THEM...EVER!! I kissed their butt until I got my PIF from them...got last week. I am dead to this company!!! And I am happy with that!