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Fred, It's all bs. There is no new trust. This is a current posts on TUG about being upsold into this new "trust" http://tugbbs.com/forums/showthread.php?t=240752 You will be out another $30,000 have higher MF and still own something that is worth $0 on the resale market. If you want out contact DRI about deeding your contract back to them. They were accepting them most of last year. If you are paid off and up to date with MF you pay them a $299 per contract and they make it go away.