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Hi this actually happend to me too. The problem is that they didn't told me about it till I had been in school for 12 weeks or so and by the time they did I owed them $6000... wich of course i didn't not have..... so to this day this is still hunting me i have a horrible credit score that has prevented me to going back to school or getting a mortgage. Hope you can give me some pointers on what to do, I despredly need help!!