Educational Fiancial Services Dan Thia compancy is less than honest Internet

This company is very high pressure and when I asked how much money it was going to cost they said nothing until I went through two hrs of B.S. and got me so tired and worn out I did not know really what I was agreeing to.  Now that I can think clearly I know I got the short end of the stick.  The applied $921 to my Discover credit card.  They do not want me to cancel out and when I asked for a refund to my account they said oh no you authorized it and we have a recording of it and we also have an electronic signature so you are S.O.L. but go ahead and cancel.  They also claim that if you do cancel out then you can not ask your credit card companies for a reduction in rates for 5 year.  ON AND ON AND ON!