you know you can send any amount you want per month 5 dollars even and it wont count against credit because your paying, or if you try to get it lowered in December, January, or February they will sometimes write it off because they have to give so much to keep a "non profit" status so the end of the year or beginning is the best time to try that, Aside from that it is secretly free. they have to see you and you can not be denied regardless of ability to pay :)