Pros
Low barrier to entry, if you can talk to people, you can do this job. You'll get a ton of reps with real clients in real financial situations, and the commission upside is legitimate. Strong months can clear $20K+
Cons
The hours are long and the emotional weight is constant, your clients are in crisis by definition, so you're absorbing that stress daily. Management just adds to that stress. The fees are steep, and it's on you to get clients to accept them. The hard truth is it's usually their only viable option, but that doesn't make the conversation easy.