Since it was through their hospital, they were on their best behavior.

I know a host of REI will disagree with me, but I am more about behavior than math.

This is partially because the amount of display traffic inventory is gigantic, but also because the advertisers take 30 to 90 days to pay.

Read somewhere about an experiment where they took a gorilla that had an enjoyable behavior that was done with preciseness, skill and mastery.

There is probably water under the bridge now but if you sandwich the message in a positive way with appreciation for what he has done (on which he also doesn't earn commission until the sale goes through) and point out the benefits of working with you then I think it is better even then arguing or handing over the money (in which case he has received a reward for bad behavior ). 

Now you have improved your debt to income ratio 275/month (as compared to the consolidated scenario) three years sooner and still be on track to have the whole thing paid off in about 5 or 6 years.Obviously, the numbers above are rough and general and highly dependent upon your behavior.

Regarding Credit Karma, just realize that they display targeted advertisements based on personal information.

It really impressed me on display with the color tones and the texture, but I can't mentally get past the fact that it's laminate.I am going for what is most practical and aesthetically appealing.

If that behavior can be proven, she can get all of the debt wiped away AND get punitive damages from the collectors.

I can't imagine a big dog with that behavior.