You're going to sign an agreement. Just like you would sign an agreement to buy a car, home, or get a personal loan... but this agreement is going to have much higher stakes. Just like a bank, you will make payments, you will acquire interest, you will have late fees... BUT Unlike a bank.. I will do more than just take your money if you don't pay. I will ruin your fucking life! Follow the instructions, sign the dotted line, and get into the most intense debt agreement you've ever signed.