Student Disclosure Form

Student debtors interested in taking the Sage Personal Finance personal financial management course should be aware of the following:

• The fee to complete the internet course and receive a certificate of completion is $35. The fee is the same for individual and married bankruptcies.
• We also offer the course over the phone. The phone course fee is $45. If you have registered for the phone course and would like to switch to the internet course (or vice versa), please call us at 800-516-2759 to ensure your certificate generates properly.
• However, the course is offered to debtors without regard to ability to pay. If you cannot afford the course fee, please write to us and include your name, case number, jurisdiction, e-mail address, postal address, and phone number. Our policy is to waive the course fee for debtors whose court filing fees were waived by the judge.
• The teachers of this course possess extensive knowledge in the areas of financial planning, bankruptcy, law, and education. Our teachers possess a doctoral degree, teaching credentials, and financial counseling experience.
• We do not pay or receive fees for referring debtor students to take this course.
• We are not affiliated with nor do we receive endorsements from any companies mentioned in this course.
• We will send your certificate of completion within 1 business day of your completing the course.

Refund Policy
If requested to do so, we will provide refunds according to the following guidelines:

1. If a student debtor completes the course and a certificate is issued, no refund will be provided.
2. If a student debtor completes part of the course and requests a refund, a partial refund of 50% will be issued.
3. If a student debtor pays for the course, but does not start the course, a refund will be issued for the entire amount.

Customers in Oregon
Students in Oregon can also review the following:

• Oregon disclosure form
• Oregon notice