5 /5 Bill Coulam: Mr. Nye was pleasant, personable, professional and infinitely patient with me. I was very skeptical, had a lot of questions, as well as two job changes come up which postponed things. It took me about a year to come around, but I finally signed up and have just started using the service. If I follow its prompts, I should be debt free Aug 2025 instead of Dec 2042. Thats pretty sweet.