They are geared for older population obviously but their customer service is HORRIBLE. The process is circuitous to say the least. They are inefficient and slow. Completely maddening. You have to go through 8 prompts BEFORE you can make an online payment. Then, you are transferred to a representative who does everything R-E-A-L-L-Y S-L-O-W-L-Y. They go over everything, 3 times or more. They ask you how you are. They ask how the weather is where you are. They repeat everything you say to them. Twice. I get it that they are working with older people some of whom are lonely and paying their AARP bill is the highlight of their day. However, it is infuriating to deal with if you don't want to spend your entire day on the phone.