Pros
Benefits are still decent, even after yearly cost increases. You can learn how to sue someone on your own. Some of the loans performed actually help save people money, and make their lives better. Branch employees and lower management promote a good spelling environment. Good punctuation as well.
Cons
It took almost 3 years for upper management to change the game playbook to steer away from such horrible transactions as Refinance for Balance Only (RBO) and Adjustment of Terms (AOT). Everyone knows economic cycles are 7-10 years long, why would management push short-term band-aid fixes on accounts over such a varied portfolio in a recession? Each of these desperate transactions capitulate on the average customer's lack of financial literacy. If you are a CF employee and don't know what I'm talking about, then ask the lowest employee that you manage.