For J Scott,I actually beg to differ with you once again...Most of the people I reach out to by telephone leave the conversation with a pleasant attitude, most thanking me for my kindness and professionalism.

I think the rest is entertainment and shock factor showcasing how to get the basics wrong. 

You’d be shocked by how little actual screening many PMC’s do!

And unfortunately, I wouldn't be shocked when rates come down that prices will likely be quite a bit higher. 

He seemed shocked when I told him.

The word "renatus" means reborn and I the organizational structure right back to that organization and am rather shocked to find this to be precisely the same.I was looking into student loans, financial assistance and was told flat out this is not an educational organization, which prompted my intense research.

If an agent or PM or TK provider says their market is best (shocking), ask yourself best for who and discount accordingly.  

Most people just take and don't give, so kudos to you....You'll be shocked but I don't use any of the features you mentioned.

You’d be shocked by how little actual screening many PMC’s do!

No shock there, surprised it took that long