Policies & Procedures

The Higher Education Opportunity Act of 2008 (HEOA) requires institutions of higher education to establish and follow a Code of Conduct with respect to student loans that prohibits conflicts of interest for any financial aid professional [HEOA § 487(a)(25)]. In accordance with this requirement, the Office of Financial Aid at Evangel University has issued the following conflict of interest policy and code of conduct.

Any Evangel University officer, employee, or agent who has responsibilities with respect to student educational loans is required to comply with this code of conduct as outlined below.

Financial aid professionals should not:

• • Enter into any revenue-sharing arrangement with any lender.

• • Take any action he or she believes is contrary to law, regulation, or the best interests of the students and parents he or she serves.

• • Solicit or accept from a lender, guarantor, or servicer of education loans:

    • • any gift, including gratuity, favor, discount, entertainment, hospitality, loan, or other items having a monetary value of more than a nominal amount;
    • • any payment or other financial benefit as compensation for any type of consulting arrangement or other contract to provide services to a lender;
    • • an offer of funds to be used for private education loans or opportunity pool loans in exchange for providing the lender with a specified number of loans, a specified loan volume, or placement on a preferred lender list;
    • • any assistance with call center staffing or financial aid staffing. Lenders, however, may provide professional development training to financial aid administrators, educational advising materials to borrowers, or assistance in state or federally declared natural disasters;
    • • anything of value in return for serving on an advisory board. Reimbursement for reasonable expenses incurred in connection with such service, however, is permitted.

• • Automatically assign a particular lender to any borrower, and shall not refuse to certify or delay certification of any loan based on the lender or guarantee agency selected.

• • Identify employees, representatives, or agents of external lenders to students or their parents as employees, representatives, or agents of the financial aid office.

Financial aid professionals should:

• • Ensure that the information he or sheprovides is accurate, unbiased, and does not reflect any preference arising from actual or potential personal gain.

• • Be objective in making decisions and advising his or her institution regarding relationships with any entity involved in any aspect of student financial aid.

• • Maintain exemplary standards of professional conduct in all aspects of carrying out his or her responsibilities, specifically including all dealings with any entities involved in any manner in student financial aid, regardless of whether such entities are involved in a government sponsored, subsidized, or regulated activity.

Students must complete a minimum number of hours per term based on attempted semester hours.

• • Incomplete grades and audit hours are not counted in the minimum hour requirement.

• • A repeated course is only counted once.

• • If you do not meet the minimum hour or grade requirements during the academic year, you may make them up in summer sessions.

• • Repeat classes must be completed at Evangel University.

Traditional undergraduate and professional studies students at Evangel must be enrolled in 6 credits per semester to be considered half-time. This includes the summer semester. Traditional undergraduate and professional studies students must be enrolled in 12 credits to be considered full-time.

Evangel graduate and Assemblies of God Theological Seminary students, review the academic catalog for enrollment status information by degree program.

A dual-enrolled student seeking financial aid to cover costs at both schools must file a consortium agreement and be registered for all classes prior to the end of the 100% drop/add period at Evangel University. Students can only receive aid from the school where the degree will be received. Financial aid eligibility will take into account all hours in which a student enrolls at each institution that apply toward the student’s degree program.

Students are required to complete a FAFSA each year in order to receive need-based and certain types of institutional aid.

Possible causes for financial aid termination:

• • Changes in enrollment status

• • Withdrawal

• • Failure to meet Satisfactory Academic Progress or other requirements

• • Default on a federally funded student loan, failure to repay a grant overpayment or any other financial obligation to the University

• • Academic or administrative suspension

Before aid eligibility can be re-established, students must meet the qualitative and quantitative requirements as set forth by the Satisfactory Academic Progress policy. This may require the student to attend another college or university to raise their GPA and meet the necessary hours for progression. Students who are not suspended by the University may continue without any financial assistance.

Appeal Procedure: If academic deficiencies were the result of unusual and extenuating circumstances, students may explain those circumstances to the Financial Aid Appeal Committee. Appeals must reach our office no later than two weeks prior to the beginning of an academic year. Appeals for prior semesters are not considered. Students will receive written notification of the committee’s decision. If the appeal is denied, students may request a personal hearing with the committee. The decision of the Financial Aid Appeal Committee is final.

In order to maintain aid eligibility, students must complete their degree objectives within the following credit hour maximum:

• • Associates Degree: 96

• • Bachelor’s Degree: 186*

*Students become ineligible for federal aid when the Office of Financial Aid determines that they cannot earn the Bachelor’s degree before reaching 186 hours or with full-time attendance within six years.

Students that are not degree seeking and are admitted as “Special Students” are not eligible for financial aid.

Evangel University is required by law to establish satisfactory academic progress standards to gauge the progress of students receiving financial assistance through federal, state, or institutional aid programs by applying both qualitative and quantitative measurements to academic work. [34 CFR 668.16(e)] These measurements shall be used to determine a student’s eligibility for all federal Title IV aid and for other need-based financial assistance unless the terms of a particular grant or funding source states otherwise. Degree seeking students in all undergraduate and graduate programs are covered under this policy. (SAP) will be reviewed at the end of every academic year, and you must be meeting SAP standards, or you will lose aid eligibility.

General Undergraduate Guidelines

The academic policy at Evangel University is designed to enable students to achieve graduation requirements. Graduation requirements include a minimum grade point average (GPA) of 2.0 at the time of program completion. Satisfactory academic progress (SAP) is, therefore, measured by qualitative and quantitative standards to promote this outcome. All students must meet the requirements of both quantitative and qualitative satisfactory academic progress listed below to receive financial aid.

Quantitative Satisfactory Academic Progress – Students must complete 67% of the number of credit hours for which they have enrolled to remain eligible for federal financial aid. To establish a quantitative measure, a time frame is set for students to finish a program of study.

Qualitative Satisfactory Academic Progress – Students who drop below the following minimum cumulative GPA will be placed on Financial Aid Suspension. The student’s cumulative GPA includes credits for courses accepted by Evangel University from other institutions that count toward the student’s degree.

Maximum Time Frame – Regulations require the maximum time frame to not exceed 150% of the published length of the program, measured in the required academic credit hours. For example, the length of most undergraduate academic programs is 124 credit hours required for degree completion and may not exceed 186 attempted credit hours (150% of 124 credit hours = 186 maximum attempted hours).

Number of Credits Attempted	Minimum Cumulative GPA
1-29.5	1.50
30-44.5	1.70
45-59.5	1.90
60+	2.0

General Online & Graduate Guidelines

Students whose cumulative GPA drops below the minimum requirement while they are in the graduate program, or who fail to meet standards established by their program in other facets of the curriculum, or who receive three C grades in their coursework, will be placed on SAP suspension. Additionally, the quantitative measure of SAP will be evaluated with the same standard as undergraduate students.

Program	Minimum Cumulative GPA
Online	See undergraduate chart above
Graduate	3.0
Seminary – Doctoral	3.0
Seminary – Master of Arts	2.5
Seminary – Master of Divinity	2.0

Definitions:

Attempted Hours – Any course for which the student receives any of the following grades A-F (including plus/minus), P/F, I, W, WP, WF

Hours Not Counted as Attempted – Audited courses

Successfully Completed Hours – All course for which the student receives a passing grade: A-D (including plus/minus), P

Unsuccessfully Completed Hours – All courses for which the student receives any of the following grades: F, I, W, WP, WF

Evaluation Period – A student’s academic progress will be evaluated at the end of each academic year. Academic years for traditional UG students include fall and spring terms. Summer is only included if the student is taking a summer course. AGTS, Graduate and College of Online students will also have SAP evaluated annually at the end of the spring term.

Financial Aid Suspension – If a student fails to meet SAP requirements by the end of the academic year, they will be placed on SAP suspension. Financial aid suspension will result in the loss of all federal and institutional aid. The student does have the option to appeal if they are placed on SAP suspension.

Financial Aid Probation – A student who successfully appeals a financial aid suspension will be placed on financial aid probation and will have their aid eligibility reinstated for the following academic year while also agreeing to an academic plan to assist the student in meeting the SAP requirement. The academic plan will be an agreement established between the student and the Center for Student Success (or applicable academic office). Successful completion of the academic plan requires the student to meet SAP requirements and meet the graduation requirements of the school.

Re-establishing Academic Progress – A student is removed from financial aid suspension, or probation when the student makes up the appropriate grade point and/or credit deficiency during the academic year. This may require the student to attend another college or university to bring up the GPA and meet the necessary hours for progression. If a student who is on suspension successfully completes a term without receiving financial aid and meets the satisfactory academic progress requirements, the student will regain financial aid eligibility for all programs the following payment period except for Direct Loans.

Repeated Classes – Classes in which the student received a grade of “F” may be repeated to earn a higher grade. For a class to count as a repeated course, the class must be taken both times at Evangel. In all cases, the grade earned the last time a student takes the course replaces the earlier grade. The record of the previous grade remains on the transcript, but it does not affect the grade point average.

Withdrawn Classes – Students may withdraw from a class and receive a W with no GPA penalty through the end of week 9 each semester. During weeks 10 through 14, withdrawal requires either WP (Withdraw Passing, no GPA penalty) or WF (Withdraw Failing, counted as an F for grade calculation). No withdrawals are accepted during the final examination week.

Incomplete Classes – An incomplete grade is a temporary grade, assigned at the end of a semester, to permit students additional time to complete work in the course when one or more required assignments are not completed because of illness, accident, death in family, or other satisfactory reason. Incomplete grades do not earn credit or influence the grade point in the semester in which the course is incomplete, however, the course grades are counted once concluded. Incompletes must be completed by the end of the following semester. A student on suspension status may regain eligibility when a grade is posted for the incomplete grade.

Audited Classes – Audited classes receive no credit and do not influence grade point average. They are not counted in credits attempted and are not eligible for financial aid.

Remedial Classes – Remedial classes will be included in the total number of credits for the semester when determining financial aid eligibility.

Pass/Fail Classes – Pass/Fail classes are not calculated in the cumulative GPA but are included in credits attempted.

Transfer Students – Transfer students are accepted from regionally accredited colleges and universities based on transcripts and satisfactory student records. Credits may be granted for most standard university courses with grades of C- or higher. Only transferred courses accepted by the courses’ grades (GPA) and completion (y/n) will be used in SAP calculations. Transfer students who are admitted and do not meet our quantitative and/or qualitative standard will be notified that they are on warning for their first semester.

Change of Major – Changing majors may or may not result in the student meeting qualitative or quantitative measures. Any change of major should be carefully considered, and students are encouraged to consult their academic advisor when contemplating a change of major. If the major change is being considered to allow more financial aid funding, the student should check with the Office of Financial Aid before making the change to ensure that the change will result in their regaining or retaining eligibility.

Appeals Procedures – Students who have been placed on suspension from financial aid due to their failure to comply with the academic progress policy have the right to appeal, if suspension is a result of unusual circumstances, such as illness, death in the family, accidents, or other satisfactory reasons. [34 CFR 668.16(e)(5)(6)] Students that wish to appeal must contact their Financial Aid Counselor and submit the SAP appeal form. The form contains information regarding why the student failed to make satisfactory academic progress, and what has changed in the student’s situation that will allow the student to demonstrate satisfactory academic progress at the next evaluation. Appeals must be received no later than two weeks prior to the beginning of the term in which aid is suspended (summer term excluded). Students will receive written notification of the committee’s decision. If the appeal is denied, students may request a personal hearing with the committee. A successful appeal will result in the student being placed on an Academic Plan and the continued eligibility for the academic year. The student may appeal each suspension one time and the decision of the Financial Aid Appeal Committee is final.

Academic Plan Procedures – Students who have successfully appealed their suspension will agree to an academic plan. The requirements for the academic plan will be developed and outlined in coordination with the Registrar, the Center for Student Success, and in some cases the student’s advisor. The plan will be provided to the student in writing and the student’s signature is required. The Office of Financial Aid will monitor the student’s progress as required by the academic plan. The monitoring will occur, at minimum, at the end of each term.

Amendments to the Policy – This policy will be amended whenever applicable federal, or state laws or regulations change.

Students desiring to study abroad must first complete all necessary paperwork through the Office of Records and Registration. Financial aid may be pursued once administrative approval is granted and all required documentation is provided to the Office of Financial Aid. If approved by the Studies Abroad Committee students may be eligible to use federal financial aid for their study abroad through Evangel University.

Students with an Unusual Enrollment History Flag (UEH Flag) is designed to identify students that may have attended an institution long enough to receive Title IV credit balance funds, leaves without completing the enrollment period, enrolls at another institution, and repeats the pattern of remaining just long enough to collect another Title IV credit balance without having earned academic credit. Schools must review and resolve Unusual Enrollment History Flags “2” and “3” before a student may receive any additional Title IV grant, loan, or work-study funds.

Most UEH Flags do not require any action from the student. If it is necessary for the student to provide any additional information to resolve the UEH flag, they will be contacted to provide the information. It is Evangel University’s goal to contact admitted students with any requests for data within 10 business days of the receipt of a flagged FAFSA record (ISIR).

Flag Descriptions and required actions

• A value of “N” indicates no unusual enrollment history and no action is required.
• A value of “2” indicates an unusual enrollment history that requires the institution to review the student’s enrollment records to determine if further action must be taken.
• A value of “3” indicates an unusual enrollment history that requires the institution to review the student’s academic records to determine if further action must be taken.

Process to Resolve UEH flags 2 & 3

Flag 2 Resolution

• If the student has not received a Pell Grant during the three year review period, no action is needed.
• If the student has received a Pell Grant during the three year review period and only had Pell Grants that were paid through Evangel University, then no additional action is required. Unless, there is reason to believe the student is one who remains enrolled just long enough to collect student aid funds. Reasons to believe the student is one who remains enrolled just long enough to collect student aid funds include, but are not limited to the following criteria:
  • Having two or more payment periods during the review period that the student received a refund check from Title IV aid and received a W, WF, or WP on their transcript.
  • Having two or more payment periods during the review period that the student received a refund check from Title IV aid and received a zero GPA during that term. This may indicate that the student stopped attending, but without officially withdrawing from the course(s).
• If the student has received a Pell Grant at any other institutional during the three year review period, the student will be treated as if they UEH flag 3.

Flag 3 Resolution

• If the student earned academic credit during every year they received a Pell Grant (during the review period), no further action is needed.
• If the student did not earn academic credit during every year they received a Pell Grant (during the review period), the student will be emailed and asked to provide documentation explaining why the student failed to earn academic credit. This documentation will be reviewed by the SAP committee and must support:
  • The reasons given by the student for the student’s failure to earn academic credit; and
  • That the student did not enroll only to receive credit balance funds
  • Committee considerations and actions
    • The committee can consider personal and academic reasons to explain the failure to earn academic credit. Both should, to the extent possible, include third party verification.
    • Personal reasons can include, but are not limited to illness, family emergency, change in living situation, and military obligations

• Academic reasons can include the student was at an institution that presented unexpected academic challenges, or that the student determined, before completing any academic credit, that the academic program did not meet the student’s needs.

• • Student’s continued eligibility is approved
    • The financial aid office will counsel the student regarding the Pell Grant duration of eligibility provisions and the impact of the student’s attendance patter on future Pell Grant eligibility.
    • The financial aid office may choose to require the student to establish an academic plan.
  • Student’s continued eligibility is denied
    • The student will be denied any additional Title IV, HEA program assistance.
    • The student will be provided with the opportunity to appeal this decision to the professional judgment committee. Any members of the SAP committee that ruled on the student’s initial determination are not permitted to also serve on the professional judgment committee reviewing the appeal.
    • • The reasons for the decision shall be documented and maintained in the student’s file.
      • Like professional judgment, all committee decisions are final and not appealable to the Department of Education and the reasons for the decision shall be documented and maintained for possible review.
    • Regaining aid eligibility
    • The student may regain Title IV, HEA program eligibility by successful completion of 6 hours of academic credit. If the student is placed on an academic plan, the student must meet the requirements of the plan.
      • The Pell Grant and campus-based aid programs, eligibility begins with the payment period in which the student met the eligibility requirements (following the payment period of ineligibility).
      • Direct Loan eligibility is retroactive to the beginning of the enrollment period.

Evangel takes on certain financial obligations based on student enrollment as determined at the beginning of each new school year. A student who wishes to withdraw may also assume certain financial obligations. Financial aid refund requirements are based on the entity providing the financial aid (federal government, state government, Evangel University, and private third-party organizations).

Due to the return requirements a student who withdraws may have a balance due to Evangel University after the calculations are completed. Students are encouraged to visit with a financial aid counselor prior to withdrawing to determine any impact on financial aid for the current term and eligibility for future terms. The Return to Title IV and Withdrawal policies are outlined below.

Return to Title IV

In accordance with Federal regulations [HEA Section 484B, 485(a)(1)(F), 34 CFR 668.22], referred to as the Return of Title IV Funds policy, all schools who disburse federal aid are required to implement the Return of Title IV Funds federal refund policy, which can result in significant cost to a withdrawing student who has received federal financial aid. Therefore, withdrawal from school should be carefully considered.

Federal financial aid is awarded and disbursed for the entire period the student is enrolled in. When a student withdraws for any reason prior to the end of the period, the student may no longer be eligible for the full amount of financial aid funds received. A calculation to determine the amount of federal financial aid earned is required when a student officially withdraws from the term, stops participating in courses prior to completing the term, fails all their classes in the term, or does not complete all sessions/modules the student was scheduled to attend during the semester. See the Withdrawal Process section below to review the types of withdrawals and how each impacts the Return to Title IV review.

A student is allowed to retain the amount of aid that is considered earned at the time of the withdrawal and the unearned portion must be returned to the Department of Education by the school and/or the student. The Return to Title IV calculation will occur within 45 days of the date the University is aware of the withdrawal. A prorated schedule is used up through the 60% point in each payment period to determine the amount of Title IV funds the student has earned at the time of withdrawal.

This is calculated by a percentage based on the number of days completed, divided by the number of days in the payment period (based on calendar days). If there is a break during the payment period of five days or more (including weekends), those days are deducted from the total number of days in the term (i.e., Thanksgiving and spring breaks).

(Number of Days Attended/Participated) ÷ (Total Days in Semester, Session/ Module) = Percent Completed

(Total Eligible Aid) X (Percent Completed) = Earned Aid

For students receiving federal financial aid, but the student never begins attending classes, we are required by federal regulations to return the disbursed funds to the respective programs. If the student begins attending some but not all his or her classes, we are required to recalculate the student’s Pell or Iraq Afghanistan Service Grant award based on the student’s actual enrollment status. [CFR 668.21 & 685.303]

After the 60% point in the payment period, a student has earned 100% of the Title IV funds he or she was scheduled to receive during the period and the school will not be required to return any federal funds received for that period.

The student will be responsible for any account balance created when Federal Title IV aid is returned by the University. If the Return to Title IV results in an amount due that exceeds the school’s portion the student may be responsible to repay a portion of the Title IV funding that must returned. The student will be notified of their responsibility by the Office of Financial Aid.  Funds that must be returned by the student to the loan programs can be paid in full in accordance with normal loan repayment terms. Students have 45 days to repay a grant overpayment or enter into a satisfactory repayment agreement. Regulations state that a student does not have to repay a grant overpayment of $50 or less for grant overpayments resulting from the student’s withdrawal.

If a student withdraws prior to the disbursement of federal funds the Return to Title IV calculation will determine the amount of funds the student has earned, and the student may be eligible for a post-withdrawal disbursement. Post-withdrawal grant funds will be applied to any outstanding balance due to Evangel University for tuition, fees, housing, and meal charges within 45 days. If the student is eligible for a post-withdrawal disbursement of federal loans, the student will be notified within 30 days of the date the University is aware of the withdrawal and will have the option to decline or approve the funds for disbursement within 14 days of the receipt of the letter. All post-withdrawal funds are applied to the student account first and if any credit balance remains an Federal Student Aid (FSA) only credit refund will be automatically issued within 14 days, otherwise the student can request a refund from the Bursar’s office.

The following federal funds are subject to the refund calculation and will be returned in the following order:

• • Federal Unsubsidized Direct Loan

• • Federal Subsidized Direct Loan

• • Federal Grad PLUS Loan/Federal Parent PLUS Loan

• • Federal Pell Grant

• • Iraq and Afghanistan Service Grants

• • Federal Supplemental Educational Opportunity Grant

• • TEACH Grants

Module Classes

Students enrolled in modules are held accountable for attending the number of days in the modules in which they were enrolled. The timing of a dropped class in the session/modular program is also important. For example, if a student drops courses in a later module while still being enrolled in a current session/module, the student is not considered to be withdrawn from the semester. However, a recalculation of financial aid eligibility based on the change of enrollment status (full-time, three-quarter time, half-time) may still be required.

If a student ceases enrollment in a current session/module but plans to attend a later session/module within 45 days and in the same term, the student must notify the institution in writing of those plans. This notice prevents the student from being considered a withdrawal in the Return to Title IV recalculation. If, however, the student does not begin attendance in the future module, the student will be considered withdrawn and subject to a Return to Title IV calculation.

In addition, a student who completes all the requirements for graduation from their program before completing the days or hours in the period that they were scheduled to complete is not considered to have withdrawn. If the student successfully completes a module that covers 49 percent or more of the days in the payment period (excluding scheduled breaks of five or more consecutive days and all days between modules) or coursework that meets or exceeds half-time enrollment for the term a Return to Title IV calculation is not required.

Withdrawal Process

A traditional undergraduate student who wishes to withdraw from the University must contact Jennifer Jackson, Assistant Director in the Center for Student Success, ZM 208, to make a written application for withdrawal. Online, graduate, and seminary students contact Kathy Harrison Assistant Registrar in the Online and Graduate Student Service office, Riggs 203S. This is an official withdrawal. Failing to attend classes does not automatically withdraw a student from school. However, if the Office of Financial Aid receives notice from another department on campus (such as instructors or a resident director) that a student has ceased academic participation and/or has moved out of campus housing, the student’s financial record will be reviewed as an administrative withdrawal.

The student’s withdrawal date is determined by one of the following criteria:

Official Withdrawal

• • The date the student notified the school of their intent to withdraw will be used–unless the student continues to attend and a later date of documented participation at an academically related activity is available.

Administrative Withdrawal

• • The date of the student’s last documented participation at an academically related activity will be used, if available. If the last date of participation is not available, the midpoint of the semester will be used if attendance was established at the beginning of the term.

    • • Academic participation includes:

        • • Examinations or Quizzes
        • • Tutorials
        • • Computer Assisted Instructions
        • • Completing an academic assignment, paper, or project
        • • Attending a school assigned study group

    • • Academic participation does not include:

        • • Living in institutional housing
        • • Participating in the meal plan
        • • Logging into an online class without active participation
        • • Academic counseling or advisement

Withdrawal After Rescission of Official Notification

• • The date from the student’s original withdrawal in the previous official notification will be used, unless the student provides written notification rescinding the intent to withdraw, and a later date of documented participation at an academically related activity is available.

The date of the institution’s determination that the student has withdrawn is determined by the following criteria:

Official Withdrawal

• • The date of the initial notification by the student.

Administrative Withdrawal

• • If a student is administratively withdrawn due to disciplinary action or the discovery that the student is not academically participating and cannot successfully complete the term, the date of that action or determination will be used.

Withdrawal After Rescission of Official Notification

• • The date the school becomes aware that the student did not, or will not, complete the period of enrollment.

Tuition Refunds:

The Evangel University tuition refund policy is separate from the federal regulations regarding Return to Title IV. Students who withdraw from Evangel may receive a partial refund of tuition and housing and meals as follows:

Seated Undergraduate

Fall and Spring

• • On or before first day of classes 100% tuition

• • First full week of classes 75% tuition

• • Second full week of classes 50% tuition

• • Third full week of classes 25% tuition

• • After the third week of classes 0%

Summer

• • On or before the fourth day of the session, 100% of tuition

• • After the fourth day of the session, 0% refund

In all cases, at 60% of course completion, there will be a 0% refund.

All Fees are nonrefundable.

Online Studies

Module Course

• • Before first week of class 100%

• • Before the second week of class 75%

• • Before the third week of class 50%

• • After the third week of class 0%

• • No drops after the fourth week of class

Semester-Long Course

• • On or before first day of classes 100%

• • First full week of classes 75%

• • Second full week of classes 50%

• • Third full week of classes 25%

• • After the third week of classes 0%

In all cases, at 60% of course completion, there will be a 0% refund.

All fees are nonrefundable.

Graduate

Fall and Spring

• • On or before first day of classes 100%

• • First full week of classes 75%

• • Second full week of classes 50%

• • Third full week of classes 25%

• • After third full week of classes 0%

Summer

• • First day of classes 100%

• • Second day of classes 75%

• • Third day of classes 50%

• • Fourth day of classes 25%

• • On or after fifth day of classes 0%

In all cases, at 60% of course completion, there will be a 0% refund.

All fees are nonrefundable.

AGTS

• • Up to and including the first day of class 100%

• • First week (Day 2-6) 90%

• • Second week (Day 7-12) 80%

• • Third week (Day 13-19) 70%

• • No refund after the third week.

In all cases, at 60% of course completion, there will be a 0% refund.

All fees are nonrefundable.