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http://whatthemuffin.blogspot.com/2007/04/thursday-13-15.html
In all seriousness, a pro of going through FMD does give a certain authority to what you are doing. Also, have you considered applying for an SFC scholarship for Gateway? If so, have you considered what going outside of FMD regulatory blah blah blah may do to your chances of receiving such a scholarship? I'm not the boss of you, but sometimes going through "the channels" does give you more options later.
Just a thought or three.
I didn't consider getting a scholarship for Gateway and if I don't get one, it's not the end of the world. Is it worth me paying somewhere around $1000-2000 more than I have to, just so that I can get a scholarship which will most likely be less than that. Way less than that.
My point of reference for AIM trips has been on two of them and she did her own finances both times. She recommended it. I think it's a great plan.