Matt wrote:

However the customer service was total crap. I am now looking to refinance
with another company, even if at the same rate. I feel guilty for having
supported the cause. I would not recommend MBNA. The only reason I
continue to use the MBNA credit card is for the 5% discount.

It doesn't get any better after you get the loan. The customer support
on the loan servicing was screwed up many times and despite repeated
calls and promisses by MBNA reps in the AOPA booths at Oshkosh each
year that they'd personally look into the problems, things persisted
to the day I paid the loan off early because some snot-nosed kid refused
to endorse the insurance check for work that had already been done and
****ed off me and every mecahnic involved by his attitude.

Nothing AOPA offers as a "endorsed" service is a good deal for anybody
other than AOPA themselves.