[JSL23]

Well, have it UNCROSS your mind, because it is illegal

Wow, who pissed in your Frosted Flakes this morning Chambo?! I have clearly stated I am not going to do it, it is just an interesting thought. You should try having one sometime.

[DirectMedia_Scott]

I think I can actually add some insight. As previously stated, the laws vary state by state. Certain states have very very strict policies. Others are rather lax. If you look back to the hay day of the for profit debt consolidation industry, charging upfront fees is what ultimately lead to its upheaval. Once legislation came to have no upfront fees, the amount of companies in that space went from 200+ to about 5 in the course of 2 months. The same is starting to happen in the student loan consolidation space.

If you are going to charge up front fees, you are likely going to be putting your self in a legal grey area. Though these fees will help lower your overall cost per acquisition, the proposition of a state legislator coming after you would likely enough of a deterrent given the businesses and industries this practice has crippled in the past.