I was working and suddenly a guy called up saying he's calling from be Be Free Financial and inquiring if I have loans so they can help me out reduce the rate from 40-60 percent. I told the guy to call me back the next day so I can think about it over night and discuss it with my husband. The next morning the guy called back, James offering me the program. I signed up. Miracle works I should say my 36-month term adjusted to 11months and it saved me alot of money. If you want miracles to work for you call them at 209-217-0373. Thank you BE FREE FINANCIAL!payday loan help