Complaint Review: University Of Phoenix Online - Internet

Now you state you did call FAFSA and they told you that SPECIAL NEEDS are authorized but you still need to get authorization from that schools Financial Aid department to do so. Do what you wish with your money but as you mentioned you were AUTHORIZED by the other college not by ours. It is your right to disclose, or not, any illnesses or handicaps that you have to the school. Personally I am a 50% disabled Veteran and I chose to advise UOP's ADA Officers of my condition. I did not have to tell any of my other counselors at all and accomodations were made for me when I needed them for my classes. My privacy was well protected on that matter. As far as saying that I am "Challenged" or don't understand English, I find your comments without base and insulting. Try to be a bit more mature when discussing a serious matter and I'm sure you will find that people take you seriously. No one has called you any names at all.

As I told you specifically that my medical issues are documented and THE HEAD of FINANCIAL aide of my other college validated my expenses as being legitimate and as I mentioned about them being validated in my response to you, either you are "Challenged", Do not Understand or Comprende the Englise, or are simply trying everything to manipulate as I see a lot on this website. We all aren't idiots you know. As it stands they have suddenly returned some funds that were never applied to my account a year later, so there is no need to call Fed Aide. I had already called them though previous to this to report UOP and I was already told by them that special needs can ABSOLUTELY be calculated into an award by the financial aide department. Needs for example that include such things as necessary medical insurance, maintenance medication for long-term illness and handicapped needs.

I can see why you would rather interpret the website than call FAFSA. You claim it is hearsay but you would rather remain ignorant than well informed. You are afraid that you will be wrong. That is understandable. The fact remains that no one other than yourself AUTHORIZED you to use your excess funds for medical expenses. You interpreted the website to your benefit. Rather than get clarification you would rather misuse federal funding on a technicality. It's up to you on how you use the money but don't expect a school to expedite the funds because you have unauthorized expenses.

UOP completely messed up my financial aide. I was not just waiting for disbursement. They screwed the disbursement up. They screwed my aide up. I have quoted from the government website about expenses you can use loans for. Thats the end of it. Dont tell me you called this person or that because that is heresay. Back up what you say and don't manipulate the facts. My medical health is documented and part of my school records. As for the "girl" trapped in a "man's" body, it is interesting that you bring this up as it has nothing to do with my case. However, I will say this..If I had the body of a man I'd want to change back so much that I would do anything and just because you cannot see something doesnt mean its not there. If a kid is born deformed you better believe doctors will go out of their way to correct that deformity but people born wrongfully sexed sometimes live and work their whole lives (if they can find work) to pay to fix their deformity. So, I understand that person using their student loans. Also, these are loans that are paid back. They are not pell grants. So, no one should have the right to say otherwise. Don't ever tell me that students are not allowed to get insurance from the remainder of their loans for that is a lie. Students cannot get medical assistance so their loans are the only source of money for this. My other University had it set up to offer students discounted insurance that they could pay for by money on account...leftover pell, loans etc. Unless you are the head of financial aide for a reputable University---Not UOP do not bother people with your BS. Abusers, as I said put the blame on others for their own mistakes. They project their faults onto you. It is a bullying technique. I worked with people who had abuse issues. I am very aware of this type of behavior. I am not here to debate with anyone. UOP is not a real University. My experience in classes was that at least half of the students we had in the beginning would drop within the first two weeks. This was in EVERY class. By the time I realized that my degree would be useless and my classes wouldn't transfer, I was too invested to quit. What happened to me is not an isolated incident. Stay away from this school if you want to get a real education and not be scammed. Notice how no one addresses the civil suits mentioned either. Do a search on Altavista.com if you want to read about them. Use keywords: University of Phoenix, lawsuit or University of Phoenix, civil suit

UOP completely messed up my financial aide. I was not just waiting for disbursement. They screwed the disbursement up. They screwed my aide up. I have quoted from the government website about expenses you can use loans for. Thats the end of it. Dont tell me you called this person or that because that is heresay. Back up what you say and don't manipulate the facts. My medical health is documented and part of my school records. As for the "girl" trapped in a "man's" body, it is interesting that you bring this up as it has nothing to do with my case. However, I will say this..If I had the body of a man I'd want to change back so much that I would do anything and just because you cannot see something doesnt mean its not there. If a kid is born deformed you better believe doctors will go out of their way to correct that deformity but people born wrongfully sexed sometimes live and work their whole lives (if they can find work) to pay to fix their deformity. So, I understand that person using their student loans. Also, these are loans that are paid back. They are not pell grants. So, no one should have the right to say otherwise. Don't ever tell me that students are not allowed to get insurance from the remainder of their loans for that is a lie. Students cannot get medical assistance so their loans are the only source of money for this. My other University had it set up to offer students discounted insurance that they could pay for by money on account...leftover pell, loans etc. Unless you are the head of financial aide for a reputable University---Not UOP do not bother people with your BS. Abusers, as I said put the blame on others for their own mistakes. They project their faults onto you. It is a bullying technique. I worked with people who had abuse issues. I am very aware of this type of behavior. I am not here to debate with anyone. UOP is not a real University. My experience in classes was that at least half of the students we had in the beginning would drop within the first two weeks. This was in EVERY class. By the time I realized that my degree would be useless and my classes wouldn't transfer, I was too invested to quit. What happened to me is not an isolated incident. Stay away from this school if you want to get a real education and not be scammed. Notice how no one addresses the civil suits mentioned either. Do a search on Altavista.com if you want to read about them. Use keywords: University of Phoenix, lawsuit or University of Phoenix, civil suit

UOP completely messed up my financial aide. I was not just waiting for disbursement. They screwed the disbursement up. They screwed my aide up. I have quoted from the government website about expenses you can use loans for. Thats the end of it. Dont tell me you called this person or that because that is heresay. Back up what you say and don't manipulate the facts. My medical health is documented and part of my school records. As for the "girl" trapped in a "man's" body, it is interesting that you bring this up as it has nothing to do with my case. However, I will say this..If I had the body of a man I'd want to change back so much that I would do anything and just because you cannot see something doesnt mean its not there. If a kid is born deformed you better believe doctors will go out of their way to correct that deformity but people born wrongfully sexed sometimes live and work their whole lives (if they can find work) to pay to fix their deformity. So, I understand that person using their student loans. Also, these are loans that are paid back. They are not pell grants. So, no one should have the right to say otherwise. Don't ever tell me that students are not allowed to get insurance from the remainder of their loans for that is a lie. Students cannot get medical assistance so their loans are the only source of money for this. My other University had it set up to offer students discounted insurance that they could pay for by money on account...leftover pell, loans etc. Unless you are the head of financial aide for a reputable University---Not UOP do not bother people with your BS. Abusers, as I said put the blame on others for their own mistakes. They project their faults onto you. It is a bullying technique. I worked with people who had abuse issues. I am very aware of this type of behavior. I am not here to debate with anyone. UOP is not a real University. My experience in classes was that at least half of the students we had in the beginning would drop within the first two weeks. This was in EVERY class. By the time I realized that my degree would be useless and my classes wouldn't transfer, I was too invested to quit. What happened to me is not an isolated incident. Stay away from this school if you want to get a real education and not be scammed. Notice how no one addresses the civil suits mentioned either. Do a search on Altavista.com if you want to read about them. Use keywords: University of Phoenix, lawsuit or University of Phoenix, civil suit

UOP completely messed up my financial aide. I was not just waiting for disbursement. They screwed the disbursement up. They screwed my aide up. I have quoted from the government website about expenses you can use loans for. Thats the end of it. Dont tell me you called this person or that because that is heresay. Back up what you say and don't manipulate the facts. My medical health is documented and part of my school records. As for the "girl" trapped in a "man's" body, it is interesting that you bring this up as it has nothing to do with my case. However, I will say this..If I had the body of a man I'd want to change back so much that I would do anything and just because you cannot see something doesnt mean its not there. If a kid is born deformed you better believe doctors will go out of their way to correct that deformity but people born wrongfully sexed sometimes live and work their whole lives (if they can find work) to pay to fix their deformity. So, I understand that person using their student loans. Also, these are loans that are paid back. They are not pell grants. So, no one should have the right to say otherwise. Don't ever tell me that students are not allowed to get insurance from the remainder of their loans for that is a lie. Students cannot get medical assistance so their loans are the only source of money for this. My other University had it set up to offer students discounted insurance that they could pay for by money on account...leftover pell, loans etc. Unless you are the head of financial aide for a reputable University---Not UOP do not bother people with your BS. Abusers, as I said put the blame on others for their own mistakes. They project their faults onto you. It is a bullying technique. I worked with people who had abuse issues. I am very aware of this type of behavior. I am not here to debate with anyone. UOP is not a real University. My experience in classes was that at least half of the students we had in the beginning would drop within the first two weeks. This was in EVERY class. By the time I realized that my degree would be useless and my classes wouldn't transfer, I was too invested to quit. What happened to me is not an isolated incident. Stay away from this school if you want to get a real education and not be scammed. Notice how no one addresses the civil suits mentioned either. Do a search on Altavista.com if you want to read about them. Use keywords: University of Phoenix, lawsuit or University of Phoenix, civil suit

Donald stated that you can't use it for medical expenses. This seems to be true. Heck I wasn't sure myself so I called the FAFSA hotline and the rep said the same thing, you can't use it for medical expenses. Here is the thing though. They have no way of verifying what you spent the money on. As long as you don't tell them what you plan to spend it on then they can't say anything. As far as getting it sooner, I guess like he said it gets there when it gets there. When I was attending UOP I was deferred for a while and even my second disbursement took some time to receive. UOP still deferred the projected costs and made me pay the shortfall or what they call the out of pocket expense. I don't think donald is trying to victimize you, he is simply pointing out the rules. When I go to the doctor I have to be referred out sometimes for issues that the doctor does not specialize in. I have to go through this process or the insurance will not pay for it. If the insurance considers the medical expense to not be necessarry then I have to pay for it if I still want it. I think the point that Donald is trying to make is that you could be claiming whatever you want (not saying you are or that you would), get the money and then spend it on whatever you want. I remember when I attended Cal State Northridge there was a guy that used his grant money to help pay for breast implants on his path to becoming a woman. I'm like WTF! I hope my taxes aren't being used for that kind of thing though I know there are probalby worse examples out there. Play it smart and be patient, the money will come.

You wrote: "and/or other documented, authorized costs." <<<<<----CAN YOU READ? The quoted information below is taken from www.studentaid.ed.gov/students/attachments/siteresources/StudentGuide.pdf "Student loan money must first be used to pay for your tuition, fees and room and board. If loan funds remain, you'll receive them by check or cash..." (p.28) UOP is so corrupt that this is what they do when faced with a legitimate complaint....they are "abusive" and what do "abusers" do rather than step up? They tear the "victim" down. In Response: You can rant and rave about how you were a victim but regardless, the money comes when it comes. We cannot force it to come sooner. I suppose if you really wanted to use the money for elective medical expenses then you could, even though the requirements do not state that you can. Let me ask you this though, Who AUTHORIZED the costs? As stated in the reference above it says AUTHORIZED costs. The term AUTHORIZED does not give you a wild card to use the money for whatever you want. Additionally, you could very well claim that your medical situation is life-threatening but this could be exagerrated. In any case you have taken the process of medical oversight into your own hands. The average unemployed person living in the US has to go through their states aid process which includes medical coverage dependant on their DEMONSTRATED financial need. This means that a counselor has to review that persons finances and assets if they have any. Once their financial need has been determined, the aid counselor then makes recomendations for aid that subsists basic necessities such as food, housing, clothing and medical care. Depending on the level of need the person demonstrates, the aid counselor will allow them to receive medical care with no co-pay, or with co-pay. That person can then go to a doctor who will determine what can be done and to what extent they are injured/ill etc. By using your student loans and grant money you have cut that oversight process that deters frivolous medical expenses right out of the picture. You could claim that your situation is life-Threatening to gain support for your cause but the fact remains that no one knows if it is true. An appeal to emotion is one of the most common fallacies. The fact remains that neither UOP nor the DOE gave you authorization to use those funds for medical expenses. If your situation is that dire then why are you not using state funded medical assistance? If you are truly unemployed then you should have some way other than educational funding to use for medical expenses. No offense but you could be using the money for any number of elective medical treatments like medicinal marijuana, laser eye surgery, chiropractic treatments, etc. Who knows? If your situation is that drastic then there should be no reason (apart from meeting destitute requirements) why you should not receive state aid. By the way, I called FAFSA about this and they told me they could not find the documentation that specifically says you can't use the funds for medical expenses. However, they stated that you could always call them at 800-4FED-AID and they will clear up that misconception for you. Why don't you give them a call? _________________ You wrote: You have no idea what I acknowledged and didn't acknowledge. You don't even know who I am. Unless you have evidence, don't bark like a foolish dog at UOPs command because it wastes both of our time. I was told NOTHING about how long a break I could have and would have continued back to back had I not had these circumstances to face. In reponse: I know exactly what you did to sign up at online because it is the same for everyone. The Financial Aid application for the school has not changed in the past 3 years. You are not allowed to enroll without acknowledging the policies. Go to faw.phoenix.edu and login with your username and password. Review the documents listed and then you will realize what you skimmed over. __________________ You wrote: YOU are simply wrong. You can use these loans for medical and/or insurance. You do not know how to read and I DO NOT wish to debate this FACT with you as EVERY University I went to awarded me funds for medical, clothes, tuition, board etc. I have to PAY for these loans. They are not FREE. Your taxes have NOTHING to do with me paying for these loans! In response: My taxes help fund the loans and grants, which are then secured and guaranteed by the private lenders. As I have suggested above, give FAFSA a call and they will set you straight. __________________ You wrote: Why, so you would know who I am and be able to prepare against a civil suit? In response: If you wish to continue this banter in a mature manner then I only ask that you simply state the facts. Don't embellish or exagerrate. If you are afraid that we will prepare a case based on this website then you have a great deal to learn about the law. Look up the rules of disclosure ;). ____________________ You wrote: I don't care what you think. It is insignificant , worthless and pointless. It is your arrogant opinion which has nothing to back it. I DID AND I HAVE THE EMAILS. I saved them all. In response: I am just one person pointing out facts. If you can't deal with the facts then maybe you should reconsider your position on this issue. ____________________ You wrote: Another put-down from the abuser. I am trained for this and can see perfectly well what you are trying to do. I hope other readers will be able to as well. Yet, you continued despite your hope to aviod addressing my comments... In response: Your remarks were immature and have no basis to this conversation. You will notice that I have not insulted you in any way. ___________________ You wrote: Read the other Rip Off Reports. In response: A great deal of these reports are written by individuals who fail to read the guidelines and policies set forth by the Department of Education. Some do have a basis for an argument such as misadvisements from counselors. I do not condone this at all and I personally work very hard for the students I assist. There have been many times that I told a student something they did not want to hear such as "No you are not allowed to use your Financial Aid money to pay for plastic surgery." As a financial counselor I am required by the rules of compliance to set standards for my students. It is up to them to adhere to them. It is not up to me to enforce them. Students are bound by honesty to spend the money on pertinent educational expenses. I have found several cases where a student spends the money on other things that are not necessarry in the pursuit of their education. ____________________ You wrote: I PAY THESE LOANS, YOUR TAXES WON'T PAY THEM. See above. I have paid for my insurance out of these funds and was told I could and I can cite rebuttals to your delusions, as I did above. In response: The loans and grants are initially funded with federal tax dollars which are then guaranteed by a private lender. You are still being entrusted with money to help pay for school. Call FAFSA and ask them about this too. ____________________ You wrote: Again, you seem to think that your manipulative and abusive twisting of information and words is goibg to convince someone out there that UOP is great. How about citing the lawsuits files and won already against them. Lets start with the one concerning your recruiting techniques. I research everything and you just try to manipulate. In response: I am not trying to convince anyone that UOP is great. I have never once stated that at all. I simply presented facts for you and I told you where you can call to get the right information. Call your Lender and call FAFSA and ask them if you are allowed to use Federal funds for personal medical expenses.

You wrote: "I work as a Finance Counselor for UOP. I used to work out the online campus but I now work at the ground campus in Pasadena, CA. My rebuttals will be in quotes." (Personal communication, 2006). In response: This does not surprise me considering your rebuttal is just a poor attempt to cover up the problems at UOP. You do not cite your research properly nor do you even bother trying to understand what you have cited. ___________________ You wrote: "According to the DOE, you are not authorized to use student loan money for medical expenses. This is taken from the DOE website: "and/or other documented, authorized costs." <<<<<----CAN YOU READ? In response: The quoted information below is taken from www.studentaid.ed.gov/students/attachments/siteresources/StudentGuide.pdf "Student loan money must first be used to pay for your tuition, fees and room and board. If loan funds remain, you'll receive them by check or cash..." (p.28) UOP is so corrupt that this is what they do when faced with a legitimate complaint....they are "abusive" and what do "abusers" do rather than step up? They tear the "victim" down. _______________________ You wrote: "When you acknowledged the policies for financial aid, it clearly states that you may not have an attendance break longer than 29 days. You are not allowed to continue the Financial Aid process with UOP unless that has been acknowledged." In response: You have no idea what I acknowledged and didn't acknowledge. You don't even know who I am. Unless you have evidence, don't bark like a foolish dog at UOPs command because it wastes both of our time. I was told NOTHING about how long a break I could have and would have continued back to back had I not had these circumstances to face. ____________________ I wrote: First, UOP and their financial aide dept is in "title only". Apollo group, a totally different entity handles the money. Then you wrote: "Regardless of who handles the money, it is put on account for you to use for your education." In response: This is a typical evasion of responsibility. I have incurred delays, have suffered through serious mistakes that are typically avoided by using your own financial aide department. The problem is that it wasn't handled correctly and still is not because you have one department---yours--with big mouths and no power and then the real financial aide department--Apollo that does whatever whenever. ______________________ You wrote: "Like I stated above, this money is to be used for education. You should be using your medical insurance or state funded medical aid to pay for your medical expenses..." In response: YOU are simply wrong. You can use these loans for medical and/or insurance. You do not know how to read and I DO NOT wish to debate this FACT with you as EVERY University I went to awarded me funds for medical, clothes, tuition, board etc. I have to PAY for these loans. They are not FREE. Your taxes have NOTHING to do with me paying for these loans! ________________ ____________ I wrote: They lied and strung me on for months until finally without meds and in severe life threatening health I could not stay in class and withdrew stating what had happened in class. I was told that my funding would be reduced and I was no longer entitled to refund money. You wrote: ".... I would post their names on this site so we at UOP can find out who they are and they can be re-trained or if found negligent, reprimanded." In response: Why, so you would know who I am and be able to prepare against a civil suit? ____________ I wrote: They took the money it cost for tuition and added it to the loan money they got and decided I owed $10000. I kept emailing them that something smelled rotten in Denmark/Phoenix and it was more than their own B. O. Then you wrote: "I highly doubt you received a bill for $10000. In response: I don't care what you think. It is insignificant , worthless and pointless. It is your arrogant opinion which has nothing to back it. I DID AND I HAVE THE EMAILS. I saved them all. You wrote: Even if you were in a Masters program at $588 per credit, you stated you made it to the second disbursement period which means you would have completed at least 12 credits to get to that point. With books that comes to a total of $7336, plus books. If you were enrolled in a Bachelors (let's assume you were level 3) that would have been a total of $5980 at $475 per credit plus books. In response: No kidding. That is exactly what I am saying and with one class free and I am a class short of second disbursment...doesnt jive. You wrote: "Your latter remarks here seem a bit childish and off-base so I won't bother to address them." In response: Another put-down from the abuser. I am trained for this and can see perfectly well what you are trying to do. I hope other readers will be able to as well. Yet, you continued despite your hope to aviod addressing my comments... ___________________________ I wrote: They told me to take out an alternative loan..they did this because its easier for them to be dishonest with these loans as federal loans will eventually draw attention and some employee taking a stretch in federal prison. Well perhaps this is looked at as a vacation for them..after all Martha Stewart did it. You wrote: "That is a pretty far-fetched hypothesis you have come up with...." In response: Read the other Rip Off Reports. ___________________ ______________ I wrote: I know I am not alone. Someone is skimming money. They have kept me out of school for a year and I owe nothing. I want compensation. I think if a class action suit was brought they would stand to lose more millions. I am not greedy though. I would settle for refund of the class I had to drop because of them and full tuition for the remaining half of my education on them. You wrote: "You would lose in that you were in clear violation of Dept of Education regulations by misusing the funds entrusted to you to help pursue your educational goals. Like I stated above, no taxpayer should be forced to pay for your medication as your state is responsible for that expense. ...." In response: I PAY THESE LOANS, YOUR TAXES WON'T PAY THEM. See above. I have paid for my insurance out of these funds and was told I could and I can cite rebuttals to your delusions, as I did above. You wrote: "You must take responsibility for what you have done." In response: Again, you seem to think that your manipulative and abusive twisting of information and words is goibg to convince someone out there that UOP is great. How about citing the lawsuits files and won already against them. Lets start with the one concerning your recruiting techniques. I research everything and you just try to manipulate.

I work as a Finance Counselor for UOP. I used to work out the online campus but I now work at the ground campus in Pasadena, CA. My rebuttals will be in quotes. _________________________ I began my experience by being severely mistreated by my first instructor, who promoted an atmosphere of hatred and prejudice. "This can happen at any school. I've had an instructor or two at a regular brick and mortar campus who I could swear wore bed sheets and carried torches for fun." University of Phoenix took care of this by allowing me to retake the class which put me back and made me lose the time I spent. The reason this was done is because if I had dropped out then, they would not have received Student loan money. _________________________ I have health conditions that require me to use refund money for medications. I lost my 20/15 vision because financial aide severely messed up my loans while my counselors (both financial and student)did not advise me properly. "According to the DOE, you are not authorized to use student loan money for medical expenses. This is taken from the DOE website: Q. What type of expenses can I use with my student loan money? A. You must use the loan money for authorized educational expenses for attendance at the school that certified your eligibility. Authorized expenses include the following: tuition, room, board, institutional fees, books, supplies, equipment, dependent child care, transportation, commuting expenses, rental or purchase of a personal computer, origination fee and guarantee fee, and/or other documented, authorized costs. Nowhere in that statement does it say you can use that money for medical expenses. Now, plenty of students use their loan money to buy stuff that is not authorized but then again that is on them. UOP is not required to expedite your award because of pending medical expenses. As cruel and heartless as that sounds that is a clear violation of DOE regulations." _______________________ I lost my 20/15 vision because financial aide severely messed up my loans while my counselors (both financial and student)did not advise me properly. They never told me that if I took the time in between classes you are allowed that it would affect my financial aide. "When you acknowledged the policies for financial aid, it clearly states that you may not have an attendance break longer than 29 days. You are not allowed to continue the Financial Aid process with UOP unless that has been acknowledged." ____________________ First, UOP and their financial aide dept is in "title only". Apollo group, a totally different entity handles the money. "Regardless of who handles the money, it is put on account for you to use for your education." ______________________ When my second disbursement was drawing near I began contacting my finance counselor. He gave me twenty different excuses why it was taking so long and I was out of meds as my condition worsened I kept calling my counselor to ask her how long did I have before I had to return to class. She did not respond to my repeated emails---a pattern of behavior I found in 99% of the staff at UOP. "Like I stated above, this money is to be used for education. You should be using your medical insurance or state funded medical aid to pay for your medical expenses. I pay my federal taxes so people that need to can go to school. It is not my responsibility as a taxpayer to pay for medical costs for people in other states. That is your states responsibility. I know it's a harsh thing to say but it is the reality of the situation." ________________ By the time she did reply she said she thought I needed to take the next class..this put me out of attendance by 3 days and because of this my funds were sent back. Now I told these people that I had no job so I could not afford to PAY for classes. I told them I wasn't going to be stuck but they insisted everything would be FINE. "I agree that is a long time to get back to you. However, if I was a less experienced finance counselor and a student was insisting that I come up with their disbursement because they had that money earmarked for important educational expenses, I would do everything in my power to get the money in. However, you have to keep in mind that since this is a highly regulated process, the money is not in our control, it is in the hands of the DOE and the lender. By the time you were getting ready to receive your next disbursement, you should've already been in class. If you chose not to attend until the money is on account then you made a serious error in judgment. UOP is willing to defer the cost of the classes because they know the disbursement will eventually get there when it gets there. The only thing we can check on is the status. We can not push it through by any means due to federal regulations." ____________ They lied and strung me on for months until finally without meds and in severe life threatening health I could not stay in class and withdrew stating what had happened in class. I was told that my funding would be reduced and I was no longer entitled to refund money. "I cannot state it enough that you must not depend on any refund money from financial aid unless it is used for authorized expenses. Even then, the money comes when it comes. UOP cannot control that. . This was a serious case of bad judgment on your part. If any of your counselors told you that you could use this money for medical expenses then they were wrong for doing so. I would post their names on this site so we at UOP can find out who they are and they can be re-trained or if found negligent, reprimanded." ____________ They returned my funding and re-filed taking partial money. They also charged me for this class that I wasn't in for more than two weeks if that. "You acknowledged the refund policy which is the prorated amount up to 60% of the class. UOP charged you for the 40% you did attend." __________________ They took the money it cost for tuition and added it to the loan money they got and decided I owed $10000. I kept emailing them that something smelled rotten in Denmark/Phoenix and it was more than their own B. O. "I highly doubt you received a bill for $10000. Even if you were in a Masters program at $588 per credit, you stated you made it to the second disbursement period which means you would have completed at least 12 credits to get to that point. With books that comes to a total of $7336, plus books, which would have been fully covered by Financial Aid as a graduate student. If you were enrolled in a Bachelors (let's assume you were level 3) that would have been a total of $5980 at $475 per credit plus books. Your shortfall would have been around $940, which if you qualified for enough grant money would have been fully covered. Your latter remarks here seem a bit childish and off-base so I won't bother to address them." ___________________________ They told me to take out an alternative loan..they did this because its easier for them to be dishonest with these loans as federal loans will eventually draw attention and some employee taking a stretch in federal prison. Well perhaps this is looked at as a vacation for them..after all Martha Stewart did it. "That is a pretty far-fetched hypothesis you have come up with. Far be it from me to say that it would have taken more time to request the money to be sent back to the school for you to continue. Or that a finance counselor realizing what you really wanted the money for, suggested you take out an alternative loan so you could use it to pay for your medications." _____________________ I had credit that was lacking and that saved me from doing this. "Your statements prove you lack credibility in that you attempted to use federal educational funding for non-education related expenses." ______________ I know I am not alone. Someone is skimming money. They have kept me out of school for a year and I owe nothing. I want compensation. I think if a class action suit was brought they would stand to lose more millions. I am not greedy though. I would settle for refund of the class I had to drop because of them and full tuition for the remaining half of my education on them. "You would lose in that you were in clear violation of Dept of Education regulations by misusing the funds entrusted to you to help pursue your educational goals. Like I stated above, no taxpayer should be forced to pay for your medication as your state is responsible for that expense. You tried to cheat the system. You got greedy and you were impatient. Shame on you for misusing federal funds. I am deeply saddened that you suffer from life threatening medical conditions. I suppose this may have escalated the errors in judgment, but you simply cannot blame the school. You must take responsibility for what you have done. Good luck and I hope that you are able to resolve this situation in a fair and ethical manner."