Pros
Rafter's business has a great mission to help students save money, and they have a really great team of hard-working people working there. The work culture is well balanced, and it's a positive working environment--the office environment has really improved over the last couple of years.
Cons
Sometimes management can give mixed messaging or delay answering and then rush their decision-making, which makes long-term planning for projects/changes more challenging. It's very sink or swim during busy periods and there is little time given for discussing how to respond/act--sometimes, it's worth taking a bit of time to talk it out as a group and work through getting to a solution/plan instead of gut reactions. Your employees and the company will always benefit from thoughtful decision-making.