Don sa processing fee nila, if you could provide a proof na nag aaral mga anak mo like id's and pay slip nila, they will wave the processing fee so wala ka talagang babayaran.
Don naman sa interest nila, you can always ask a comp*tation kung paano nila naderived yung monthly installment mo para at least bago mo tanggapin ang loan, may idea ka. kahit saan lending institution naman, you can always ask all the questions you want, and its up to you to accept or cancel the loan, kasi di ka naman nila pipilitin kung las minute aayawan mo ang program nila. kahit nga approve ka na kung icacancel mo, no harm done in both parties.
basta always bear in mind, ask questions, and the decision will always be yours at the end naman.