I haven’t had any real issues with the SAP personally. Processing times have been long at times but I never don’t get what I want. Those credit values were with my originally awarded line of about 95 hours. With our pay override I’ll likely add an additional 7-9 hours of pay for the month and end up with 12 off and roughly 103-105 credit.

The thing with PSA is that the disparity between reserve and a Round 1 lineholder is pretty stark. Reserve here isn’t great. But it isn’t great anywhere at a regional. But once you can hold a line the quality of life here improves dramatically. I’m not trying to convince the OP to come to PSA. Like I said, they will likely experience a very long time on reserve here right now.