Inefficient and incredibly annoying

I'm going to go easy here with a generous 3 stars since they have zero reviews here so far - but dang these people are inflexible and basically have the worst customer service ever. On the one hand, it looks like they help a lot of people get approved and it is a service used to pay medical services - so I want to be appreciative of that - however: I suspect many of the people needing their service then end up having huge issues and wasting a ton of money, because: 1 - they don't easily make it clear exactly how much you need to pay to avoid finance charges - even when you signed up under a 0% interest charge plan. They just tell you the minimum payment, and - to their credit - they do provide the scary information about what will happen if that's all you pay - great, thanks for that, but could you also make it clear what I do need to be paying? I had to email through their portal (annoying) - get a fantastically useless email back, try to follow up - I got ZERO response then, and finally had to figure out how to call which: 2 - they don't make it easy to figure out how to call them. Once you do call them: 3 - the people on the other end of the phone are not exactly enthusiastic, and aren't super clued-in, either. And if you have two plans: 4 - you have to manually call each month to make sure that the total amount you pay is allocated accordingly or, of course, you'll end up with interest fees despite actually paying the correct total! 5 - when you finally are able to schedule recurring payments (you have to wait to be able to do this) - they have a little info page that tells you about your promotional plans (the 0% interest rate deals), but they have zero information about what the regular payment has to be - honestly - they intentionally make this hella difficult - completely unnecessary and self-serving. I get it's a business - but the business model shouldn't be 'trick people into incurring fees'. So basically - this 3 star is generous - because bottom line: in the interest of making a buck they are intentionally being difficult and obscure, which, quite frankly, undos the 'good' they supposedly do by providing an option to people who need it. If you've signed up - make sure you call and get all the details you need and then stay on top of that every single month - super annoying. I wish I had just paid with my credit card - honestly, would have been easier and at least I'd have gotten miles out of this.