Was a bit painful application process requiring many references and salary and tax information. I had to use this company as community college not covered by other private loan companies. As a comparison, I got 10x as much money the previous semester for two students from another company without any of the supporting references or documentation or aggravation, just off income information. Customer Service was helpful during the process and we did get the loan so is appreciated. It just was not an easy process for so little money especially.