I have done 4 or 5 and yhey aren't bad, just be sure they do not pull your credit! The instructions indicate they do, however I had mine pulled once without my permission. Financial aid will also look up your past FA history without asking you if that is okay and will sometimes ask why you have 4 years of undergrad and 2 years of grad and are all of a sudden wanting to get a degree with them...don't be caught off guard!