Michele,
The key here is that you had problems last nite at 5:30, but got on fine the next morning. This is almost invariably a problem with overload on the local ISP dial up lines. If they have a leased line with 500K bandwidth, 100 users will bog it down to 5K each, 200 users to 2.5K each, etc. Due to economics, many local ISP providers sell to as many subscribers as they can. When all of the subscribers log on together (after school, nites & weekends), the system just slows to a crawl, specially at 28.8. So, it is nothing "wrong" with the servers of the web sites you are trying to visit, but just a symptom of too many users chasing too few resources. I had this problem myself for years, when I lived way out in the bojacks and used a local dialup provider.
The comment from several other TBN users, who report excellent speeds with similar equipment, just means that it is a local variation.
If you are stuck with dialup, I have seen unbiased analyses that show that ATT provides the fastest and cleanest service for dialup accounts, by far.
BobT.
A Indiana Boy