This loan is Predatory. If you don't plan on paying it off in 6 or less months, don't get it. If you are falling into some lump sum within that time, then go for it. I did.
It was so funny. As soon as I went online and paid the entire balance off, a representative called me immediately, like if it was any of her business, and asked me how did I pay it off. Lol. I told her I ran an escort service. You should have heard the silence! Point is, pay of early or pay a couple hundred more than the amount owed each month to get that balance down. Don't pay the minimum. That's what they are banking on. Be smart....like me!!!