Borrowed a little over $10K about 2 years ago. Told, right before I signed, that I would be paying $15K back. Didn't worry since I always pay things off early, thereby reducing the overall interest. Then the gentleman tells me, I will have to pay the entire $5K in interest off first and then the payment is applied to the principle. Now it appears I will be paying over $17K for my $10K loan. Go to your local bank or credit union. This place is ridiculous.