What a crock this company is. They tempt you with the offer of ""We will save you 1500$ in the first 6 months or we will refund your money."" Yeah Right!?! Well, time came and went and nothing. My rates didn't go down, my payments didn't decrease, my financial position did not change from what it was before I signed up with these guys. They send you ""pie charts"" that look like they could have been created by a 3rd grader, and they tell you what you already know. What a joke. Don't waste your time and effort.