brightwood college loan forgiveness

Students can apply for financial aid re-instatement at scholartrack.che.in.gov by filing an appeal. may call410-767-3301or send an email to:vaeducationbenefits.mhec@maryland.gov. more information below regarding federal loan discharge, 2. See WSMV News Story. A teach-out agreement provides transparency and equity for all students impacted by a school closure.. And the advertised offers may be subject to additional terms and conditions of the advertiser. Under Income-Based Repayment, your monthly payment amount is capped at an amount that is intended to be affordable based on your income and family size. #studentlo, Visit link in bio to learn more. (615) 885-4335. In the end, the Department of Education processes the paperwork and when the process completedFederal student loan debtis entirely forgiven. For students who attended Corinthian Colleges, this has been all too true. On Wednesday, 12/5/2018, Brightwoods CEO emailed students to let them know their campuses would close down Friday, 12/7/2018, giving them just two days notice before the impending closure date, and leading to a great deal of stress, confusion and misery for students of the now-defunct school. To be eligible for forgiveness, you must have federal student loans and earn less than $125,000 annually (or $250,000 per household). Found in: beBee S US - 18 hours ago 18 hours ago Biden Student Loan Forgiveness for 72,000 Borrowers. Students Save Saved Removed 0. Student Loan Forgiveness Biden to Cancel More Loans. My website is chock-full of other suggestions for ways to deal with your Brightwood loans, and I would highly advise that you look into some of the detailed Guides Ive written to walk you through taking advantage of the biggest and best financial relief programs for the type of loans youve got. Your email address will not be published. Students . Nearly $8 . UPDATED Tuesday March 24th, 2020. workshops to enhance job seeking skills and work readiness. Our reporters create honest, accurate, and objective content to help you make decisions. The program operates statewide and has a number of different And it means that you can continue your education in another school or college and actually, your credits should transfer to that place. sponsors, visit the. We also get your email address to automatically create an account for you in our website. Say as a federal student loan borrower, you have . on December 7, 2018, including three locations in Maryland operating as Simply search for MWEJOBS in Apple iTunes or Cost of Attendance - $ 16,165. So lets look at what is the requirements of this program. Knowledge Agency said it does forgive $150 billion within the federal college loans within a great 2016 signal that Secretary Betsy DeVos prior to now made an effort to block. INDIANAPOLIS, Ind. The graduates of ECAs programs, on average, earned less than graduates at similar programs and had a significantly higher rate of loan defaults. May 27, 2022 at 6:00 a.m. EDT. Now there are two options . Nashville Brightwood College closes its doors December 2018. As a result, many have fallen behind on their debt, and their credit scores have suffered. Email address:david.woffington@yti.edu. The program operates statewide and has a number of different The reasons for these closures vary, but they often come down to financial mismanagement or regulatory problems. You study, attended or enrolled in school or college while it was not shut down. The reasons for the for-profit college student loan forgiveness include borrower defense to repayment claims, closed schools, and other lawsuits. You must have at least $10,000 in federal loans to qualify, though that's a pretty low bar for most lawyers to meet. Students who impacted by closure school or college should understand that the circumstances could be different for all of you. students can call MHEC directly at 410-767-3300 or toll-free at 1-800-974-0203 for more information. . And thatll be especially true if you were attending a program that doesnt have a lot of demand for employees (like something in Social Studies), or which pays small salaries (like Social Studies). If a student chooses option #1 the student cannot pursue a teach-out or AND Congratulations on getting approved for a Closed School Discharge! However, figuring out if you qualify can be challenging. addition to pursuing a teach-out, students may also choose to pursue anapprenticeship If you are unable to find a job in your field, you may be eligible for any of the college Loan Forgiveness . If you meet the requirement, then it is easy as you think. A majority of the general public (55%) supports forgiving up to $10,000 of a person's federal student loan debt. Is there any way to benefit fromBrightwood collegestudent loan forgiveness? about the Closed School Discharge at, https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/closed-school. 6 North Liberty Street, Baltimore, MD 21201, Students 1.Students may be eligible for cancellation of federal student loans used to attend Brightwood College, with any . After you submit your Closed School Loan Discharge application, your servicer is legally obligated to inform you of their process, and then as long as you qualify for the discharge, and you follow their instructions on what to do next, you should get your debt fully forgiven. used to attend the closed school. 3 Best Credit Repair Companies You Can Trust in 2022, New Federal Repayment Terms for Student Debt: What You Should Know, Student Loan ForgivenessUpdate: Revisions, Delays, and Legal Challenges, 4 Ways To Minimize Your Student Loan Debt While Youre In School, Florida Coast School of Law Student Loan Forgiveness & Repayment Options | 2022, Misrepresenting their job placement rates. So, your actual offer terms from an advertisermay be different than theoffer terms on this site. HARRISBURG - Attorney General Josh Shapiro today announced that his office has entered into an agreement that will result in the cancellation of approximately $2.6 million in private Pennsylvania student loans held by 1,300 students who attended schools operated by the now-defunct Education Corporation of America, including five former Brightwood Career Institute locations in Pennsylvania . process and to obtain an application. Another beneficial side of this program is, it is not hard to apply, and when you apply for this program the request is approved by the Department of Education. Of course, if you are eligible for this Discharge program and for now, you are one of the students at Brightwood College. If the student could not transfer his credits to another school, then he can receive the closed school discharge. In the settlement, Elevation Capital agreed that it will forgo collection of the outstanding loans owed by Marylanders and refund approximately 75% of the money that Elevation Capital collected from students after it bought the portfolio of loans. End of story. Students who are due refunds of payments that they made after ECA transferred the debt will be contacted by the Attorney Generals Office. Please mail your check to Veterans Education Success at1501 K Street NW Suite 200, Washington DC 20005. Debtstrategists help you get back on track financially, Learn more at debtstrategists.com/blog For-profit colleges have frequently offered career-oriented curricula including culinary arts, business and technology (including coding bootcamps), and health care.These institutions have a long history in the US, and grew rapidly from 1972 to 2009, fueled . MHEC is working to identify processes for HARRISBURGAttorney General Josh Shapiro led a coalition of six attorneys general to call on the U.S. Department of Education to cancel the federal student loan debt of thousands of Pennsylvania students who attended the for-profit Brightwood Career Institute locations across the Commonwealth. Nursing Assistant/Geriatric Nursing Assistant (CNA/GNA). Is there something we need to do to get the tax return their seized returned to us? directed to USDVA at 1-888-GIBILL1. Total and Permanent Disability Discharge. Alternatively, you could try calling whoever services your loans to ask for detailed on Closed School Discharges, or other options they may offer, or you could even try calling the free Federal Student Aid Information Center at: 1-800-4-FED-AID. are dedicated to serving businesses and job seekers. You should contact However, by early December of 2018 all Brightwood College campuses were closing, the company citing financial challenges and accreditation issues as the reasons. This will erase $5.8 billion in debt for more than 560,000 borrowers, which according to the agency, will be the largest single loan discharge in Education Department history. Borrower defense to repayment is the discharge or cancellation of part or all of your federal student loans due to fraud and/or predatory lending practices by your school. Thats literally all it takes to get your Brightwood loans discharged! Every loan servicer has a different procedure in place for processing these applications, so youll need to find out what your servicer requires before you can determine how to proceed. We strive to keep our information accurate and up-to-date, but some information may not be current. If you faced this type of situation, then we have some good news for you. addition to pursuing a teach-out, students may also choose to pursue an, wood students enrolled in skilled trades occupational Youre basically in legal limbo at this point. Public Service Loan Forgiveness (PSLF) Program. Policy Advocacy Simply search for MWEJOBS in Apple iTunes or PRESS RELEASE Attorney General December 19, 2018, the US Department of Education is offering a series with the subject line "SUBSCRIBE.". A group of Brightwood employees have sued the for-profit's parent company, alleging they did not receive the legally required 60-days notice before the school abruptly shut down. In this kind of situation, the main question of the students of Brightwood College Students is how to complete their degree programs. Student Loan Forgiveness Biden to Cancel More Loans. Discharge of their Federal Direct Loans, Federal Perkins Loans, or FFEL Loans Corporation of America, Inc. discontinued all academic operations in Maryland For more information on EARN, And that can mean that youve basically just written off several YEARS worth of work put toward earning a college degree or other education credential, but for many students, this may still be worth sacrificing since the reality of the employment market these days is that most students have trouble paying back their student loans. In many cases, these colleges have closed without providing any notice to students or employees. ThePublic Service Loan Forgiveness Program (PSLF)is a government program that forgives federal student loans for borrowers who work in certain public service jobs. by the closure of the Brightwood campuses have 3 options: To may call410-767-3301or send an email to: In order to continue your education using your Title How it works and what the student needs to start the process? How to take advantage of the Brightwood College Student Loan Forgiveness program? This post will help you to deal with this process. In our previous topics, we informed you about different student forgiveness programs. The big downside to Closed School Discharges are that they require you to sacrifice all the time and effort youve put into your education program, since getting one requires you to give up hope of transferring your credits to another school. Higher Education News, Help for Students/Veterans Help with Your Student Loans and personal finances before continuing your studies or applying for a Closed American Job Centers Your payment may be as low as $0 per month, but will never exceed 15% of your discretionary income. Important note: Brightwood College's last day of educational instruction and official closure date is December 7. But we should emphasize that most of the time it does not work, because afterBrightwood collegeshut down their student could not benefit from this, and their accreditation credentials were stripped! Its campus is located in a suburb The school utilizes a differs by program -based academic year. These apprenticeship Youre not alone. Lets look at what we should do in such kind of situations. While that sucks, you should be entitled to a refund for any money spent, so just consider it a temporary thing thatll come back to you when the Discharge gets processed. industries, including cybersecurity, information technology, healthcare, and As I mentioned above, there are two ways to receive student loan forgiveness as a former student of Brightwood College, so if you dont feel that the school defrauded you and therefore dont think youll qualify for the Borrowers Defense program, then have no fear, because there is another way. Washington, DC 20005 training for the electrical or HVAC industry may benefit from registered Instantly view any job posted to the web directly Agreements The good news here is that there is a path for getting your Brightwood-related debt discharged entirely, via the Closed School Student Loan Discharge Program. Statue Of Limitations Laws For Student Loans. Any loans owed directly to the school by Maryland students will be cancelled and, for students who already made payments to the school, some of their money will be refunded to them. Any F-1 students enrolled at Brightwood College will need to have finalized their transfer here before 5 p.m. on December 24 when Ivy Tech closes completely for winter break, or their records at Brightwood College will be terminated. Student Loan Forgiveness on Disability, Do You Qualify? How To Get Student Loan Forgiveness For Nurses. Pursue a self-chosen/determined Between 2016 and 2017, the average net price of Brightwood College-Fort Worth grew by 11.8%. ECA operated a number of predatory for-profit schools in California before it abruptly shut its doors in December 2018. Brightwood. In this article, well explain the different programs available to you that offer college loan forgiveness. To support our work, we are paid for providing advertising services. How To Get Student Loan Forgiveness For Teachers. With the help of the closure of Brightwood College or related colleges, students could to get Brightwood-related student loan debt discharged and also benefit from Student Loan Forgiveness program. telephones, and a variety of job search resource materials. Trendy News - News WordPress Theme. However, sometimes things dont go as planned. Diane Marie Drake, Director of Admissions, ddrake@ccbcmd.edu, (443) 840-4392, Dave Woffington, Senior Assistant Director of Admissions Federal regulations provide that students who are actively enrolled in a school that closes, or who withdrew up to 120 days before the . Affairs website. telephones, and a variety of job search resource materials. To do this, many or all of the products featured here may be from our partners. Anything you can do will help, from emailing them a link, to posting it on Facebook, Twitter, or Reddit. can find a complete list of qualified programs and schools on the, In Finally, remember every case is different, and if you are still unsure whether you qualify or not a trusted and professional financial advisor can help you better understand your options. Veterans with specific inquiries Other Scholarships & Grants. What about State Tuition Recovery Fund Refunds. ofwebinarsto help Brightwood students. a state-approved teach-out school see more information below regarding JavaScript is required to use content on this page. Brightwood College, In the past named Kaplan College, provided certifications in the field of health, business, criminal justice, information technology, nursing, and professional training programs. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. Filed in Texas against Virginia College, LLC (which does business as Brightwood College), ECA, the equity firm that owns ECA, ECA's CEO, and a president of one of Brightwood's locations, the lawsuit centers around the defendants' allegedly false representations regarding how long ECA's schools nationwide would remain open. saffected Then go to the "My Aid" tab, and search for your loans. Copyright Maryland.gov. by the closure of the Brightwood campuses have 3 options: 1. Last week one of the college chains called Education Corp. of America announced about closing its campuses by 2020. Education Corp. of America, owner of a national chain of for-profit schools including Virginia College and Brightwood College, is ending operations in the face of dwindling enrollment and . How to Qualify for a Kaplan Refund via the Lawsuit & Student Loan Forgiveness Program. Workforce Exchange. about the Closed School Discharge athttps://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/closed-school. Life happened, I finally have the money. Job seeker services include career exploration assistance, referrals Obviously, this site doesnt run itself I have to monitor the news, update all my pages and posts, respond to comments, and put a ton of time into making sure everything presented here is as accurate as possible. Whatever the cause, the results are always the same: students are left stranded and faced with the prospect of starting their education all over again. If you are a Brightwood College student interested in learning more about transferring to another college or university, please contact Ivy Tech Community College: Ivy Tech Community College. currently owe in federal debt at https://www.nslds.ed.gov. The borrower may also be eligible for a refund of amounts paid on the loan. Andrew Lee Program Director, Brightwood College, Beltsville, MD Bowie, Maryland, United States 33 connections You can also print this application As we mentioned above, there are some requests which help you to benefit from Brightwood College Student Loan Forgiveness program. Classes Another disruptive situation is related to student loans. Debt Strategists is a private company and does not claim to be affiliated with any Federal, State, or Local Government agencies. can sign up to receive email alerts by emailing brightwood.mhec@maryland.gov If you paid for school out of pocket, the money is likely gone. has set up the following starting points: A detailed webpage at The nice thing about Closed School Loan Discharges is that you dont have to do any legal wrangling or convincing via arguments and evidence because Closed School Discharges are a binary thing if you were a student who left the school no more than 120 days prior to its closing (or if you never left it at all, but were still studying at the time of the closure), then you qualify for a complete student loan discharge. Over the last several years, over $1 billion in student loan debt has been forgiven for students who attended for-profit colleges. Tim's experience struggling with crushing student loan debt led him to create the website Forget Student Loan Debt in 2011, where he offers advice, tips and tricks for paying off student loans as quickly and affordably as possible. Nonprofit employees with student loan debt may be eligible for loan forgiveness, cancellation, or consolidation of Federal student loans under the public service loan forgiveness program. I think your best bet would probably be hiring an attorney, or at least contacting the Student Loan Ombudsman Group to see if they can help. I have never heard of anyone getting a refund for money that was already paid and NOT via student loans. - Visit theGI Billwebsite Brightwood College Student Loan Forgiveness program helps students those who faced problems like this and give them an opportunity to finish their study program. You can also find answers at the Federal Student Aid loan forgiveness website. BRIGHTWOOD COLLEGE 1520 South Caton Avenue Baltimore, MD 21227-1063 OPE ID: 00749100 Accrediting Agency: ACICS Perkins: N/A FDSLP: G07491 . opportunities couple paid on-the-job training with related instruction. workshops to enhance job seeking skills and work readiness. Donations are gratefully welcomed. However, there have been various lawsuits and settlements to dismiss some private loans in connection with these schools. Most recently, ED agreed to discharge $1.5 billion in student loan debt for 79,000 borrowers who attended any Westwood College school between Jan. 1, 2002 and Nov. 17, 2015. sponsors, visit theMaryland Apprenticeship Locator:http://www.dllr.maryland.gov/employment/appr/. You can determine your current loan servicer and check how much you How To Get Student Loan Forgiveness For Social Workers. This . Classes Studentsaffected Baltimore; 4600 Powder Mill Road, Beltsville). Youll have to get in touch with the school, or whoever is handling their closure to find out. Brightwood College, which was owned by Education Corporation of America (ECA), operated campuses in Towson, Beltsville, and Baltimore that enrolled students in low-quality programs at a price significantly higher than comparable programs at Marylands public institutions. In addition, for-profit colleges have been known to use deceptive marketing practices to lure students into enrolling. servicer. 3 Best Credit Repair Companies You Can Trust in 2022, Public Service Loan Forgiveness Program (PSLF), New Federal Repayment Terms for Student Debt: What You Should Know, Student Loan ForgivenessUpdate: Revisions, Delays, and Legal Challenges, 4 Ways To Minimize Your Student Loan Debt While Youre In School, Florida Coast School of Law Student Loan Forgiveness & Repayment Options | 2022, International Academy of Design and Technology, Le Cordon Bleu Institute of Culinary Arts, Western School of Health and Business Careers, Southern California School of Culinary Arts, Cooking and Hospitality Institute of Chicago, Ross University School of Veterinary Medicine, Miami International University of Art & Design, Chicago School of Professional Psychology, New England College of Business and Finance. Discharge, 2 last several years, over $ 1 billion in student Forgiveness... Lawsuits and settlements to dismiss some private loans in connection with these schools,. Something we need to do to get student loan Forgiveness to US affiliated with any federal, State, Local. To Veterans Education Success at1501 K Street NW Suite 200, Washington DC.. How much you how to complete their degree programs their seized returned to US keep information. Kaplan refund via the Lawsuit & amp ; student loan Forgiveness for Social.. Is easy as you think transferred the debt will be contacted by the of! Is related to student loans # x27 ; S last day of educational and! School, then it is easy as you think borrower defense to repayment claims, closed,! Strive to keep our information accurate and up-to-date, but some information may not be.... For a Kaplan refund via the Lawsuit & amp ; Grants may be from partners... Https: //www.nslds.ed.gov how to take advantage of the products featured here may from... Abruptly shut its doors in December 2018 about the closed school discharge Aid loan Forgiveness include borrower to! Providing advertising services students or employees the main question of the students of Brightwood College-Fort Worth by!: N/A FDSLP: G07491 to keep our information accurate and up-to-date, some... That the circumstances could be different than theoffer terms on this site this article well... Perkins: N/A FDSLP: G07491 their degree programs now, you have beBee S -! By 2020 Aid loan Forgiveness, this has been all too true lure students into enrolling can call directly! Https: //www.nslds.ed.gov Local Government agencies via student loans you study, attended enrolled... Various lawsuits and settlements to dismiss some private loans in connection with these.. Such kind of situation, the main question of the students at Brightwood college for students who are due of... To support our work, we are paid for providing advertising services returned... An email to: vaeducationbenefits.mhec @ maryland.gov, and objective content to help you to deal this. Eca operated a number of predatory for-profit schools in California before it abruptly shut its doors in brightwood college loan forgiveness... Toll-Free at 1-800-974-0203 for more information grew by 11.8 % be eligible for a Kaplan refund the... Forgiveness website you are eligible for this discharge program and for now, you are for. Use content on this site type of situation, the average net price of College-Fort... Note: Brightwood college 1520 South Caton Avenue Baltimore, MD 21227-1063 OPE ID 00749100... The process completedFederal student loan Forgiveness all it takes to get the tax return seized. Different student Forgiveness programs resource materials federal debt at https: //www.nslds.ed.gov private loans in connection with these schools these.: 1 benefit fromBrightwood collegestudent loan Forgiveness into enrolling to repayment claims, closed,... Borrower defense to repayment claims, closed schools, and a variety job! Informed you about different student Forgiveness programs a state-approved teach-out school see more information below federal... Information below regarding JavaScript is required to use content on this site refund of paid! Paid for providing advertising services in addition, for-profit colleges an account for you related student. 11.8 % by 2020 or all of the students at Brightwood college student loan for. Could be different for all of you academic year DC 20005 it easy. A private company and does not claim to be affiliated with any federal,,... College student loan Forgiveness website enhance job seeking skills and work readiness inquiries other Scholarships & amp Grants. The requirement, then it is easy as you think are paid for providing advertising services to or. It on Facebook, Twitter, or whoever is handling their closure to find.! Abruptly shut its doors in December 2018 loan borrower, you are eligible for a Kaplan refund the! Is December 7 college 1520 South Caton Avenue Baltimore, MD 21227-1063 OPE ID: 00749100 Accrediting Agency: Perkins. Any federal, State, or Reddit, MD 21227-1063 OPE ID: 00749100 Accrediting Agency: Perkins! At what is the requirements of this program please mail your check to Veterans Education Success at1501 Street... Generals Office from emailing them a link, to posting it on Facebook, Twitter, or whoever handling. Skills and brightwood college loan forgiveness readiness addition, for-profit colleges classes another disruptive situation is related to loans! Please mail your check to Veterans Education Success at1501 K Street NW Suite 200 Washington... Specific inquiries other Scholarships & amp ; student loan Forgiveness on Disability do... Advertisermay be different for all of the Brightwood college students is how to get Brightwood... To complete their degree programs over the last several years, over $ 1 billion in student loan Forgiveness Disability. Then it is easy as you think may also be eligible for a refund for money that was paid. To: vaeducationbenefits.mhec @ maryland.gov was not shut down day of educational instruction and official closure is! Re-Instatement at scholartrack.che.in.gov by filing an appeal Corp. of America announced about closing its campuses 2020! Regarding federal loan discharge, 2 - 18 hours ago Biden student loan has... Nw Suite 200, Washington DC 20005 can be challenging to do to get email... On Facebook, Twitter, or whoever is handling their closure to find.... Of situations enhance job seeking skills and work readiness, Visit link in bio to more. Loans in connection with these schools for a Kaplan refund via the Lawsuit & amp student.: 00749100 Accrediting Agency: ACICS Perkins: N/A FDSLP: G07491 a private company and does claim... Powder Mill Road, brightwood college loan forgiveness ) how to complete their degree programs Attorney Generals Office for in. Can do will help, from emailing them a link, to posting it Facebook... In a suburb the school utilizes a differs by program brightwood college loan forgiveness academic.! Do to get your email address to automatically create an account for you in our previous,! Marketing practices to lure students into enrolling requirements of this program however, figuring out if faced. Mill Road, Beltsville ) different for all of you impacted by closure school or college while was... Are one of the Brightwood campuses have 3 options: 1 the federal student loan Forgiveness website should that. Are eligible for a refund of amounts paid on the loan -based academic year brightwood college loan forgiveness take advantage of products! Situation, then he can receive the closed school discharge at,:! Federal student loan Forgiveness include borrower defense to repayment claims, closed schools, and a variety of job resource. The average net price of Brightwood college student loan borrower, you have this page attended Corinthian,. Make decisions you have thats literally all it takes to get the tax return their seized returned to?... Was already paid and not via student loans cases, these colleges have without... Topics, we are paid for providing advertising services closure date is December 7 by 11.8 % 21227-1063! You think the student could not transfer his credits to another school or... Md 21227-1063 OPE ID: 00749100 Accrediting Agency: ACICS Perkins: N/A FDSLP: G07491 not! May also be eligible for a refund for money that was already paid not. Work readiness re-instatement at scholartrack.che.in.gov by filing an appeal attended or enrolled in school college. 1 billion in student loan debt has been forgiven for students who are due refunds of payments that they after... Learn more last day of educational instruction and official closure date is December 7 or... Of educational instruction and official closure date is December 7 are one of the products featured may. Strategists is a private company and does not claim to be affiliated any. In student loan debtis entirely forgiven over $ 1 billion in student loan Forgiveness program to get tax. You that offer college loan Forgiveness for Social Workers more information below regarding JavaScript required! And up-to-date, but some information may not be current result, many or all you... Or employees students into enrolling take advantage of the Brightwood campuses have 3 options: 1 discharge program and now! Powder Mill Road, Beltsville ) to enhance job seeking skills and readiness... Email to: vaeducationbenefits.mhec @ maryland.gov borrower defense to repayment claims, closed schools, and objective content to you... Keep our information accurate and up-to-date, but some information may not be current to learn more 2017, average. To be affiliated with any federal, State, or whoever is handling their closure to find out then have! Also find answers at the federal student loan Forgiveness for Social Workers a suburb the school, or whoever handling. Students who attended for-profit colleges with the school, or Reddit take advantage the! Circumstances could be different for all of you for Social Workers receive the school... Private company and does not claim to be affiliated with any federal, State, or whoever is their... Explain the different programs available to you that offer college loan Forgiveness brightwood college loan forgiveness you eligible. By filing an appeal been forgiven for students who attended for-profit colleges its campus located. Regarding JavaScript is required to use content on this site at1501 K Street NW Suite 200 Washington! Twitter, or Local Government agencies while it was not shut down & amp student! Explain the different programs available to you that offer college loan Forgiveness Social... Have been known to use content on this page have never heard of anyone getting a refund of paid.

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