What I'm about to tell you blows my mind and maybe yours too - this is what happen to me with Kaplan today.. Oh Please let me vent for a moment - So, my college sent me a bill for 6, 900 for payment to get me through school till March 2012, with a repayment of $880 a month. So I called them up to inquire. I explained this was never a pre-agreed arrangement. They know this - James at the finical aid office told me he know. So, you think you can send me a bill - when I'm working on getting my own funding - You (meaning the college Kaplan ) with no notice to me and decide "Hay, you now owe us, even though you do not want it - we (Kaplan University) decided you (that would be me) do want it" - So, I sweetly explained that what I was about to stay was not towards him (James), but the college institution of Kaplan University it's self. I know they law before I started school 3 years ago and now I have more insight - I'm going to slap a law suite on you so big it will make your heads swim - I'm also not the person who makes threats and I typically do not give warnings, however I feel that the sheep need more direction. I'm also the person who gets her orgasms by correct the injustice. You (Kaplan University) can not send me to collections or put anything on my credit just because you feel like it and you can't make or tell me to pay you when it was not greed upon in a legal written contract before hand. What the school institution is going is a seriously illegal practice and I'm going to make a example out of this school for doing such. So James put me on hold to see if there was anything in writing. When really he was so freaked out and because he had not been trained to handle my type of phone call. He simple placed me on hold for over 35 minutes. When he returned I explained to him why he had to put me on hold, explained I was not faulting him just the institution (Kaplan University) that he works for. I told him (James) I would have a subpoena for all phone recordings (which they do) and take this to Federal court pro sa (meaning I'm the attorney, which I have a legal right to do) and anyone who has been on the other side of my stick can tell you - I am there worse night mare, I've won before and I will win again. money hunger institution. Where in the hell do they get off!!! They seethe in pool of greed - James informed me that Kaplan University decided the following - I had 6 credits for the currant class and just enough fund from the government to cover this cost. But Kaplan decided that $6222.00 would be lent to me with a repayment of $800 a month. This would cover me thru March 13 2012 even though with the funds I had already covered this class in Latent Prints they decided to toss in there own money and spread it out of the next three classes and If I fail to pay and even if I make a payment below the $800. Kaplan could block me from my class I'm currently in and then kick me out of school. Remember I already had fund from the government to cover this class. Plus, if I do not make the payment a $100.00 a month fee will be applied on top of interest.. REMEMBER THIS WAS NOT A contractual agreement: " In law, a contract is a legally binding agreement between two or more parties which, if it contains the elements of a valid legal agreement, is enforceable by law or by binding arbitration. A legally enforceable contract is an exchange of promises with specific legal remedies for breach" EVEN IF I DO NOT SIGN IT I WAS TOLD, IT WAS STILL GOING TO HAPPEN AGAINST MY WILL THIS IS RAPE ON A LEVEL THAT LEAVES ME SPEECHLESS!!! I WILL NOT ALLOW THIS TO HAPPEN AND WANT ALLOW IT TO HAPPEN TO ANYONE ELSE -