Sure the process is quick and easy and makes you feel happy once you qualify and can consolidate your debt; BUT is anyone actually looking at all the numbers or just hoping for a quick fix to their financial problems. I applied for a loan of $35,000. I was then told that I qualified for the terms of $1073 per month at 60 months. GREAT!!! Wait a minute...That means the amount paid off after 60 months is $64,380. Meaning the ACTUAL interest paid on top of the principle is 85% or about $29,000 !!!!! That is not banking, that is loan sharking !!!!!