I have been reading a few of these topics and I see many of you have MULTIPLE pdl's outstanding. Now, I know everyone in here is fairly smart as everyone was able to find this site to ask for help. What I don't understand is, you all recieved loan documents for these lenders stating what the terms and payback agreements are...and you signed them. Now, you want out??? Yes, they charge more than borrowed, it's a loan not a gift to be paid back at some other time with no fees. Look at your house payments. You are not paying just the pricipal back. It's a loan, there is interest.