They want tax return... I said my son is out of state on vacation (don't want to snoop)..."OH YOU CAN'T USE HIS INCOME"!!!! TOTAL HOUSEHOLD INCOME...NOT MY SON INCLUDED???? They called me at work yesterday...I was at home MOST of the day... I SAID FORGET IT!!! LOWER INTEREST RATE "LET MET TRANSFER YOU"....I'M ON LUNCH, FORGET IT!!!! More later!!! IT'S ALREADY IN THE DRAWER!!!