You guys all have valid points! ATP is not for everyone, but I think that because of my current situation it will work for me. I have been out of work for several months, laid off...
With ATP, I was given additional funds to help curve my living expenses for my family back at home. Yes, it adds to the cost of the loan, but when interest is compared, the huge, low interest rate loan was less expensive per month than the almost half loan on a much higher interest rate...
All in all, I will be starting ATP in a few weeks...
I'd actually like to instruct for awhile. People that skip that important step, miss quite a bit, in my opinion.