Never use them! It's true, it's a rip-off! I had a $1000 overage that I had to get back from my previous school and I was supposed to pay it back to my lender. But, I asked a financial adviser who I should pay the overage to and she said pay it to Kaplan. Then I got harassing calls for 3 months straight from Kaplan's collections department trying to collect that money! By the time they sorted out that they had made a mistake I was already late for my 2nd semester of which they froze my login in order to stay ahead of my classes and I not only had to withdraw but it cost me in shipping to send my books back. At every turn they were unhelpful, they have horrible customer service.