Student Disclosure Form

The following information is helpful for student debtors interested in taking the Sage Personal Finance personal financial management course:

• 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 one business day of your completing the course, and usually within one hour. Individuals taking the internet course may print their certificates themselves upon course completion.

Refund Policy
We offer a 100% money-back guarantee (up until issuing our certificates). If requested to do so, we will provide refunds according to the following guidelines:

1. If a student debtor pays for the course and does not start the course or completes any part of the course up until generating his/her certificate, a full refund will be issued.
2. If a student debtor completes the course and a certificate is issued, no refund will be provided.

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

• Oregon disclosure form
• Oregon notice

If you have questions, please call us at: 800-516-2759 or email us at: customerservice@sagepf.com