I was a little nervous when they said that you needed a degree to get one of these loans, because I only have a diploma so far, but that was good enough. I was happy that it worked out, because my interest rate that I got of 15% wasn’t the lowest around, but it sure is nowhere near the highest. If you have a good credit score and at least an diploma degree, I would recommend them. Refreshing, just what the loan industry needs. Wasn’t even looking for a loan, but was able to get one to refinance other debt at a lower rate.