They are a useless options. they are just another ...

They are a useless options. they are just another "re finance" company that really is predatory. they send you a bunch of mailers saying your pre approved (probably because Ive never missed a single ed loan payment) i fill out app they "APPROVE MY CREDIT" but after jumping through there hoops they deny you if you don't fit in there little safe bubble. total trash. not worth your time and effort you could be using to earn income to pay down your current loan. again WASTE OF TIME