Had 2 loans, first paid off no problem. 2nd,lost income needed to set a payment plan(EPP,which if they are a member,of CFSA u are entitled to that) was told No loan, needs to go into default. Missed a payment called back and tried to get EPP again, still NO, they wanted past due payment first and then the total owed on loan. An EPP is a payment plan only on the payoff amount of loan. This COMPANY IS HORRIBLE! THey would not work with the CFSA lady,who helps customers with companys that will not comply. Filed with BBB, because other in the area had and had gotten some response. They are still wanting the total payoff plus the payment, That is in the payoff amount. They DO NOT DO Settlements or negiotate,as per other request seen on the BBB of Utah't website.