An outfit like this used to hold seminars on this crap at JMU and I expect elsewhere too. Not only are the "deals" not great at all, but they would sucker college students into signing up and taking on a financing plan for the membership fee. At no time during the presentation do they mention the hefty interest rate they tacked onto the financing plan. They target new homeowners and college students.
http://www.infomercialscams.com/scams/direct_buy_scams