WITHDRAWALS

As is customary in all overseas study programs (and in colleges generally) if a student withdraws from the program after a certain date no refund is possible. If a student notifies OSAP in writing before the date given, he or she will receive a refund of all fees paid, less a $300 administrative fee.

Our refund policy is included in our detailed admissions letter.

We also advise students to obtain some kind of tuition insurance from their insurance agent to protect themselves in the future. Students and overseas advisers will understand that, as in all overseas study programs, most of the expense must be paid in advance and "running" expenses (rent is paid monthly, for instance) are still budgeted on a termly or yearly basis, as the case may be. Our overall fees are set, therefore, with these committed expenses in mind.

We have included this full explanation in the Handbook so that students will be fully informed.

To repeat our refund policy: Refunds can be granted only to those students whose written notices of withdrawal are received by OSAP before September 1, 2006 for the academic year or for the Fall term, (including the September program) or for the combined Fall and Winter terms, or before December 1, 2006 for the Winter term 2007 or for the combined Winter and Spring terms of 2007, or before March 15, 2007 for the Spring Term or May 15 for the Summer sessions or at least two weeks before the start of each future summer session. Future years and terms would come under exactly the same policies (allowing for differences in the year....2007, 2008, 2009 etc.). We stress that students who enrol for a year or for two combined terms are enrolled for those periods and the deadline date for withdrawal is the date prior to the start of the combined terms or year. After those dates no refunds are possible.

As we also say in our admissions letter a student may make a special agreement with OSAPto modify one of our general policies (for instance, we might guarantee a handicapped student a ground floor room in advance). It is the student's responsibility to obtain a letter from OSAP confirming this agreement.You will readily see that this avoids confusion since either person involved could honestly forget a conversation 6 months old. In this way we seek to protect our students against any possible misunderstanding in the future.