Hi Jen - Glad you're still around........

No such thing as a free lunch. Your friend would be far better off if she "bit the bullet" and reduced her spending drastically and paid the thing off. Even though some of these companies that offer to reduce your debt try to look like non-profits, they're in it for the money. Unfortunately, there are an awful lot of people who have let their spending habits got out of control and now unscrupulous operators are taking further advantage of them.

Good luck to your friend.

Wes