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They've given you misleading information before you even started. Even as a beginner you caught them out. I wouldn't trust them with any other advice. I don't believe that paying off later will help. I had thought that in that sort of situation the contract date was the important bit.

As far as the company, it has been mentioned a few times. Search for thread titles (in the advanced search) with the word Positive. Books and the forum will give you the knowledge. But often beginners need the confidence and the motivation. A mentor program is one way of helping with this...