I love this place and often eat here when I'm on campus all day and need lunch.
As other people have said, the food isn't as good as the stuff you can find in K-town, but the value is hard to beat, the family is nice, they always have specials on bibimbap where you get a complimentary miso soup with it, and so I'm sold.
I often get either the Bibimbap, the Bugolgi, or the spicy meat stews. None of the food is actually spicy, so I usually ask them to put the miso-chili sauce on when I'm paying.
There's a small fee (like forty cents or something) if you want to use debit. I forget whether they take credit, but I think they do for the same fee.