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Please take a moment to look them over and, if you do not agree, please do not use our website. However, for those who do use our site, we hope you find it to be an informative resource. We also reserve the right to make any modifications to our website that we deem necessary at any time. Your continued use of our site indicates that you accept the changes that are made. Personal Unsecured Loans not applicable to Pennsylvania borrowers Definition of Terms Used: debt free: (i) relates solely to enrolled, unsecured debts, (ii) upon successful program completion, (iii) not all creditors will negotiate, not available in all states bankruptcy: anyone considering bankruptcy should contact a bankruptcy attorney Interest Rates/APR for Loans: Your actual rate depends upon your credit score, loan amount sought, term of the loan, credit usage & history. Use of Third Party Advertisers and Opt Out We use third-party advertising companies to serve ads when you visit our Website. 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