Front Desk Clerk
Resume:
Penn Foster Career School
Scranton, Pennsylvania 18505
ENROLLMENT AGREEMENT
Welcome Sherrie. Congratulations on your enrollment! This is your official Penn Foster Career School Enrollment Agreement. The information you provided to us is reflected below. Student Information
Name
Sherrie Pope
Enrollment Date
7/2/2025 10:12:32 PM (UTC)
Address
3709 Beverly Drive
Waco, TX 76711
United States
Student Number
250702JVKC
*************@*****.***
Enrollment Number
250702O32J
Date Of Birth
08/28/1982
Program Name
Starting Your Own Business
Degree Type
Career Certificate
Below are terms of agreement, which constitute the entire agreement between Career Step, LLC (hereinafter "Penn Foster Career School") and you regarding your Enrollment in your Starting Your Own Business Career Certificate and may be amended only by written agreement between us.
1. PROGRAM INFORMATION
You are enrolling to receive a Career Certificate in the Starting Your Own Business Program (the "Program"). You will have 6 months to complete your program. You have the right to request 6-month extension(s) across the full term of the Program provided the Program is completed within 24 months. The fee for each such extension is $125. Based on information you have provided, your highest level of education is 11th Grade. 2. PAYMENT SCHEDULE
Your total cost is $489, which includes Tuition Charge $426, Registration Fee $63 and Finance Charge (as described in the Truth in Lending Act Private Educational Loan Approval Disclosure below). You chose our Monthly Automatic Withdrawal payment schedule. Under this plan, you agreed to pay $29 as your initial payment by card and $79 each month for 5 months plus a final payment of $65 towards your total price of $489. Depending on where you live, Page 1 of 7
you may be charged additional taxes.
3. TRUTH IN LENDING ACT PRIVATE EDUCATION LOAN APPROVAL DISCLOSURE BORROWER CREDITOR RIGHT TO CANCEL
Sherrie Pope
3709 Beverly Drive
Waco, TX 76711
Penn Foster Career School
200 Hickory Street
Scranton, Pennsylvania 18505
You have right to cancel this transaction, without penalty, within 5 days after midnight of the day you enroll.
You may cancel by calling us at 1-800-***-****
Loan Rates & Estimated Total Costs (Starting Your Own Business)
*INITIAL PAYMENT AMOUNT FINANCED FINANCE CHARGE ANNUAL PERCENTAGE RATE TOTAL OF PAYMENTS
The amount you pay
upfront
The amount of credit
provided to you or on
your behalf
The dollar amount the
credit will cost you
The cost of your credit as a
yearly rate
The amount you will have
paid after all payments
are made as scheduled
including your down
payment of $29.
Depending on where you
live, you may be charged
additional taxes.
$ 29 $ 390 $ 70 60.52 % $ 489
*Depending on where you live, your initial payment may include sales tax. ITEMIZATION OF AMOUNT FINANCED (Monthly Automatic Withdrawal) Amount paid to you $ 0
Amount paid to Penn Foster Career School on your Behalf $ 419 Amount Financed (Program Price paid under Full Pay payment option) $ 419
Finance Charge (Amount Paid under Monthly Automatic Withdrawal option in excess of Full Pay Program Price) $ 70
ABOUT YOUR INTEREST RATE: Your interest rate is 0% and will not vary during the life of the loan that you receive from Penn Foster Career School.
FEES: You will incur a late fee of $12, if a monthly payment is 10 or more days late. These fees are subject to change. YOUR ANNUAL PERCENTAGE RATE (APR) is 60.52%. The APR is different than the Interest Rate since it considers financing fees and reflects the cost of your loan as a yearly rate.
Repayment Schedule & Terms
Page 2 of 7
PAYMENT PLAN OPTION LOAN TERM PAYMENT SCHEDULE (60.52% INTEREST)
*TOTAL PAYMENT AMOUNT
Monthly Automatic Withdrawal 7 monthly payments beginning on date of Enrollment.
First Payment: $ 29 (due on
Enrollment)
Payments #2 - #6: $ 79
Amount $ 79.
This is the maximum
monthly payment you will
be required to pay based
on the maximum interest
rate of 60.52%.
•
Depending on where
you live, you may be
charged additional
taxes.
•
Each monthly payment
due on the same day
or the next closest
business day in each
following month.
•
Final Payment #7: $ 65 one
month after payment #6.
$ 489
*Depending on where you live, you may be charged additional taxes. Federal Loan Alternatives
Penn Foster Career School does not participate in the federal student loan programs, which consist of: Perkins Loans for Students (if in effect), Stafford Loans for Students, and PLUS Loans for Parents and Graduate/Professional Students. For additional information about federal student loans, contact the U.S. Department of Education at https://studentaid.ed.gov/sa/. Self Certification
This Self-Certification will confirm that you understand the following important information about available student financial aid: Penn Foster Career School does not participate in the federal student loan programs, which consist of Perkins Loans for Students (if and when in effect), Stafford Loans for Students and PLUS loans for Parents and Graduate/Professional Students. For additional information about federal student loans contact the U.S. Department of Education at www.studentaid.ed.gov.
•
Penn Foster Career School is not a Title IV school and therefore you cannot use Title IV federal grants, loans and work-study aid to pay for Penn Foster Career School Programs.
•
A private education loan, including the financing you receive from Penn Foster Career School by using a monthly payment plan, may reduce your eligibility for free or lower-cost federal, state, or other student financial aid.
•
You are strongly encouraged to pursue the availability of free or lower-cost financial aid from state, federal, local or other sources, including other private lenders.
•
Under Federal Law, Penn Foster Career School is required to provide you a copy of the government's extended version of the Self- Certification form. It can be viewed on your Student Portal once your Enrollment is complete. Please note, however, that as stated above, Penn Foster Career School does not participate in the federal loan program and is not a Title IV school. If you have any questions about the Self-Certification, do not hesitate to contact a Penn Foster Career School representative at 1-800- 275-4410.
4. PRICING POLICY
Below are the applicable fees.
Late Payment:
I agree to pay my debt to Penn Foster Career School for any amounts due for tuition, fees, and other charges. If my charges are not paid when due, I agree to pay Penn Foster Career School all fees and costs associated with the collection of my delinquent account. In Page 3 of 7
addition to payment of the principal amount due, the additional fees and costs may include collection agency fees constituting 20 percent of the principal amount due if Penn Foster Career School engages a collection agency to collect payment; any and all interest on the outstanding balance at the maximum legal rate allowed by law and; any and all other costs associated with collection of the amount due Penn Foster Career School. I understand my obligation to pay these additional fees and costs associated with collection of my delinquent account.
Non Sufficient Fund [NSF] Fee:
If a payment default occurs as a result of your maintaining insufficient funds in your account or on your card, you will be charged a
$20 fee and Penn Foster Career School will resubmit for payment. Automatic Payment Plan related conditional savings: If we are unable to access the account or card you designate for automatic monthly payments for more than one month, then you will automatically be transferred to the Monthly Pay plan and you will be charged the additional amount associated with that payment plan.
Extension Fee:
You have the right to request 6-month extension(s) across the full term of the Program provided that program is completed within 24 months; the fee for each such extension is $125.
Note: These fees are subject to change. Waived fees/Savings may be reapplied if your account is cancelled, payment option is changed or payment is overdue.
5. CANCELLATION AND REFUND POLICY
Students may cancel their enrollment via telephone, email, or first-class mail to the physical address listed in the student catalog. Students may also cancel their enrollment in the “Help Center” of the Learner Center. If you cancel within 5 days after midnight of the day you enroll, you will receive a refund of all monies paid to Penn Foster Career School.
Penn Foster Career School calculates refunds using the date of withdrawal. Penn Foster determines this based on the date the student made the withdrawal request or when the student is dismissed for failure to abide by the code of conduct, to maintain satisfactory academic progress, or to meet financial obligations. If Student Cancels after 5 days and Amount Student Owes If the student has not submitted any lessons Non-Refundable Fees + Registration Fees If the student has submitted at least one lesson, up to and including 10% of the lessons Non-Refundable Fees + Registration Fees + 10% of Tuition If the student has submitted more than 10% of the lessons, up to and including 25% of the lessons Non-Refundable Fees + Registration Fees + 25% of Tuition If the student has submitted more than 25% of the lessons, up to and including 50% of the lessons Non-Refundable Fees + Registration Fees + 50% of Tuition If the student has submitted more than 50% of the lessons Non-Refundable Fees + Registration Fees + 100% of Tuition Below is a sample refund for a student enrolled in Career School. The percentage of the program completed shall be determined by comparing the number of completed lessons received for services by the school to the total number of lessons in the program. Tuition Fees Total
Tuition: $721.00 Registration: $108.00 Amount Paid by Student: $454.00 Lessons: 44 Shipping (If applicable): $0.00 Refund Due to Student if Cancelled: $273.90 Page 4 of 7
Lessons Taken: 4 Administrative (If applicable): $0.00 Lesson Percentage: 9.09% Total: $108.00
Cancel Terms Percentage: 10.00%
Total Due: $72.10
Any amount owed is due at the time of cancellation. All refunds will be issued within 30 days of Penn Foster Career School's receipt of your notice of cancellation. No refunds made after 365 days from date of Enrollment. 6. GRADUATION
Upon successful completion of the Program academic requirements and fulfillment of your financial obligations, you will be awarded Starting Your Own Business Career Certificate from Penn Foster Career School. Penn Foster Career School reserves the right to academically cancel any student who fails to demonstrate satisfactory progress in the Program. Cheating or other violations of the Student Catalog may also result in disciplinary action up to and including the termination of your Enrollment.
Job placement, compliance with state or local professional licensing requirements (if applicable), and/or transferability of academic credits are not guaranteed to graduates of the Program or Program courses. If you are planning to continue your education with another school, you should check with that school regarding credit transfer policies. Penn Foster Career School will not provide a refund or be liable for any losses that you may incur as a result of your inability to gain employment or admission to any institution, or failure of Program course credits to transfer to another institution. 7. PROGRAM MATERIALS COPYRIGHT NOTICE
Penn Foster Career School or its vendors hold all ownership rights in the Program materials. You are strictly prohibited from copying and/or providing to any third party all or any part of the Program materials that Penn Foster Career School provides to you without Penn Foster Career School's prior written consent. If you violate this prohibition, you may be subject to criminal and civil penalties and fines, as well as disciplinary action up to and including expulsion from your program. 8. BINDING AGREEMENT, LIMITATION ON DAMAGES, AND GOVERNING LAW This Agreement is a legally binding contract when signed by you and accepted by Penn Foster Career School at its offices in Pennsylvania and is governed by Pennsylvania law. Your signature on this Agreement indicates you have read and understand its terms and any literature you have received from us and you believe you are able to benefit from the Program. Penn Foster Career School shall not be liable for any incidental, consequential, punitive, or multiple damages of any kind in any controversy or claim arising out of or relating to this Agreement, or breach thereof. NOTICE: Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the debtor shall not exceed amounts paid by the debtor hereunder .
Dispute Resolution
This agreement, and any dispute involving the terms thereof, shall be governed by and construed under the laws of the Commonwealth of Pennsylvania. Any controversy or claim arising out of relating to this Agreement, or breach thereof, no matter how pleaded or styled, shall be settled by arbitration in accordance with the Consumer Rules of the American Arbitration Association, and judgment upon the award rendered by the Arbitrator may be entered in any court having jurisdiction. Grievance
Any questions or problems not satisfactorily answered by Penn Foster Career School should be directed to (i) the State Board of Private Licensed Schools, PA Department of Education, 607 South Drive, Floor 3E, Harrisburg, PA 17120; Penn Foster Career School is licensed by the Board. (ii) the Distance Education Accrediting Commission website: http://www.deac.org; phone: 202-***-****; (iii) the Commission on Secondary Schools of the Middle States Association of Colleges and Schools; website: http://www.msa-cess.org; Page 5 of 7
phone: 267-***-****; or (iv) GA: http://gnpec.georgia.gov/student-complaints, 770-***-****. Privacy Notice
Your Enrollment and academic records will be protected in accordance with applicable rules and regulations. Use of Name and Likeness
We may use your name, likeness, personal information, and any verbiage and words you provide. You hereby release Penn Foster Career School from any claim you have based on the usage of your name and likeness and allow the use of said information in our marketing materials not limited to news releases, advertisement copy, web content, photographs, or testimonials. If you refuse such usage or do not wish to receive our mailings, notify us in writing: Penn Foster Career School, 200 Hickory Street Scranton, Pennsylvania 18505.
Licensing and Accreditation
Penn Foster Career School is licensed by the Pennsylvania State Board of Private Licensed Schools and is accredited nationally by the Distance Education Accrediting Commission and regionally by the Commission on Secondary Schools of the Middle States Association of Colleges and Schools. Policies on transfer credit vary by institution. Students wishing to transfer coursework from Penn Foster Career School to another institution should check with the receiving institution to understand their policy on transfer credits. 9. ACKNOWLEDGEMENT, ACCEPTANCE AND SIGNATURE
By signing this Enrollment Form, I acknowledge that I have received, read, understood, and agree to be bound by the terms and conditions on all pages of this agreement (including without limitation, the credit disclosures), as well as the student catalog, refund policy, academic integrity policy, sample refund calculation, career services and any information pertaining to this program, including technology requirements, provided on Penn Foster Career School's program website (pennfoster.edu). I acknowledge that I have reviewed the state educational professional licensing requirements where I live (go to https://www.pennfoster.edu/admissions/admissions-requirements/state-licensing for state board licensing information ) and am taking responsibility for ensuring that the program satisfies the state and local district requirements regarding compulsory age students (if applicable) and read the technology requirements for this program on the website and in the student catalog. I also understand that I am responsible for, and guarantee prompt and full payment of the tuition and fees outlined in the Enrollment Agreement.
Penn Foster Career School or any of its agents may contact me, as a student or guarantor, regarding any matter using the land line, mobile phone (either by calling or texting) or email address that I have provided; standard text messaging rates may apply. Page 6 of 7
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© 2023 Penn Foster Career School.
Template Code: EA001
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Sherrie Pope
7/2/2025 6:12:59 PM *************@*****.***
Document ID:100*******
Robert Gaffey
7/2/2025 6:13:09 PM *****@**********.***
Vice President of Admissions
Pennfoster: ENROLLMENT ACCEPTED
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