A scam, pure and simple
I finished the program on Jun 3rd of this year with my last monthly installment payment. Didn't miss one payment. And my reward I found out today is I still owe About $5000 on the largest account. (Put aside the fact that it took more than 4 years for them to get around to this account.) I then went into my account portal today and found that another account hasn't been settled so I'm guessing they're going to be requesting more funds from me for that one. I'm now reading the entire contract to see how they justify this. One thing that stands out is a clause that states that the client agrees not to join in a class action lawsuit. That says a lot about them. I'm not sure that's even legal. I guess I have to get a lawyer now. Do not get involved with them!!
