The process was fairly simple and straight forward, and I believe we got a great rate. The only (unforeseen) issue I had was the amount financed/requested. I was initially searching to see what the rates may be vs. other companies, so I typed in a dollar amount that I thought would be close to what I needed. Everything proceeded at that amount, but, after my daughters scholarship and grants came through, I actually needed about $1000 less. When I tried to contact you, the woman I worked with (whom was very nice) basically said I would either have to completely resubmit my request and wait (and time wasn't in my favor), or, accept the larger amount and have the school work with the lender to change the distribution. I choose the later, and even though everything worked out eventually, it was a little more hassle than I wish I had to go through. That's why I'm giving you guys 4 stars instead of 5.