I signed with Cosmo over two years ago, This company is one of the biggest scams I have ever experienced! I was harrased for over a month from a recruiter named kippy...she would call me daily telling me she knows I will get jobs and not to worry about the money because I would be able to make the money back though all of the jobs i would be recieving. It has been over two years now and I have never had a call from them except for when I was late on a payment. I am a full-time student, trying to live on my own and they have sent me to a collections agency bc I couldnt afford to pay anymore. It is very sad that a company is allowed to scam young girls like Cosmo does. If you do anything smart in life do not sign with cosmo, I wish someone was there to tell me the same when I made the worst mistake of signing with the company Cosmo.