I was approved for the money I needed.

I applied for a loan in 2008 for $4000 to purchase books and other school necessities for the year with my father as a cosigner. It was definitely my mistake in taking this loan on as this is a $4000 loan over the course of 240 months at an 11% interest rate which would put me at nearly $20,000 into it. At the time all I saw was $4000 in my coffer to take care of business, but now that I look at it and all the payments I've made, out of every $45.00 payment I make, nearly $37.00 is entirely into interest payments. If you are younger or you are the cosigner to a loan like this, please don't make the mistake into getting into business with this loan company. I have paid my bills on time with this company and have had very little issue with them, but the mistake was on my part in not realizing a terrible deal staring me in the face. Save your money and go a different route, because even though I'm having no issue paying these people, some might, and I've heard they are not quite as friendly to those with hardships.