My experience has not been fantastic. Acquiring cash is easy, but the way the fees are calculated is not clear and VERY expensive. The program is designed in such a way to be complex and tricky to understand which is frustrating and disappointing. I’ve gotten a different answer each time I’ve called on repayment terms and fees associated with the loans from the different staff members. Having said that, I’m sure all the details are clearly outlined in the very carefully worded (dare I say deceiving) loan details, so be very careful to understand early repayment options and fees – it will be very difficult to understand and likely not what you think.