Hi Folks, My wife took out a K25 loan in '04. The loan is paid off in July this year. We have applied through one of these companies that do the leg work for you. However, when you consider that they will take probably somewhere in the region of 30% I am begining to wonder if we are doing the right thing. My theory at the time was, great if we get K5 back for just filling out a form, that's fine. Any comments would be appreciated on how to proceed.