Well, you're much more expensive in the long run. But that's pretty typical for companies targeting poorer people. So you're essentially a very expensive financing solution.
I have looked around, Anja is the cheapest. Other company has a big upfront cost that is around $1000 or more, not Anja. In the long run, it is also cheaper.
Low income families themselves have told us they’re so happy they finally found an affordable solution. So I’d beg to differ (qualifying low income as <75k household income. They self reported)