If you have been offered a payment plan as a way to finance the cost of your program, this guide explains the terms and conditions associated with it. The purpose of the payment plan is to provide flexibility, allowing you to pay the total program balance over time. In exchange for this option, certain expectations and responsibilities must be met. Please review the details below carefully.

The payment plan is a structured agreement that allows you to divide the total cost of your program into installments. By agreeing to the plan, you commit to paying the full balance as outlined in your contract. Payments must be made according to the schedule specified, and the full amount remains due even if you choose to stop participating in the program.

Payments must be made on or before the due dates specified in your agreement. It is your responsibility to ensure payments are submitted on time to avoid additional fees or penalties.

• Late Fee: If a payment is more than 7 days late, a $50 late fee will be applied to your account.
• Interest on Overdue Balances: If a payment remains unpaid for more than 30 days, interest will be charged on the overdue amount. The interest rate will be set at 12.5% per year (annual interest) or the maximum allowable rate under local law, whichever is lower, and will continue to accrue daily until the balance is paid.

If payments are not made as agreed, the following actions may be taken:

• Collections: Your account may be turned over to a debt collection agency, and collection fees will be added to your balance.
• Legal Action: Continued non-payment may result in legal proceedings to recover the outstanding amount, with any related legal costs added to your account.
• Credit Reporting: Non-payment may be reported to credit bureaus, which could negatively impact your credit score.

• This Is Not a Subscription: A payment plan is not a subscription that can be canceled. It is a financing option requiring you to pay the full program cost.
• Payments Are Non-Refundable: All payments made toward your program are non-refundable, regardless of whether you complete the program.
• Proactive Communication: If you anticipate difficulty in making a payment, contact us immediately. Open communication can help prevent late fees or other penalties.

By proceeding with a payment plan, you confirm that you have read and understood the terms outlined in this guide and your contract. Following these terms ensures a smooth payment process and uninterrupted access to the program.

If you have any questions or require assistance, please contact our support team.