The minimum payment each month is $10. However, if payment is received one day late there is a $45 fee. I closed my accounts because the late fees were killing me even though I was paying the monthly payment (latest a payment was received was one week). After closing the accounts a customer service rep called me at my place of employment and after I told her that I could not set up a payment plan on the spot, she persisted to tell me that I was being childish and did not want to pay my bills. What she did not know was that my boss was standing in front of me and I did not want to go into the matter at that time. I put her on hold for a minute and explained to my boss, who was understanding. My boss took the phone and explained to the rep that this was a state agency and it would be appreciated if this company would not contact me at work. My boss switched to the speaker phone and the rep was yelling she did not care were if this was a state agency, that as long as I did not pay my bills she would continue to call everyday. With that, my boss asked to speak with her supervisor and she told my boss, " go to h%*$, you stupid b*&^%. The only way we will stop calling is if she would help her poor a%$ employee pay her bills. For a minute I thought that I owed a loan shark or something. I totally forgot that this was an actual business. If anyone knows of a class action lawsuit against this company please let me know. The amount I owe is so small I would hate to spend more on lawyer fees to stop the harrasment.