Yes it is so scary!
How do they expect society to improve when they keep doing crap like this? Well that's a whole new discussion I'd rather not get into. LOL Citi had the really high rates. I tried to google consolidation companies but I'm afraid to just give our information to just anyone. Ugh! Our loan officer informed us more and more are doing away with loan consolidation. Without consolidating I really don't know how we will make it.