Well I can say this, if you have trouble with personal and educational life this is not the school for you. If you withdraw from a class no matter the circumstances, you owe the money again for the class. I had issues with anxiety and my father had prostate cancer and a brain tumor. I had to take time off and drop a class. Well I owe for the class even though I was only a week in. Needless to say these people will send you to collections even if you're making payments. As well as once you take time off for personal reason, they do not check on you! They are hard to work with and at the end of the day if you owe money, you cannot return to class until it's paid in full! $3k is a lot to pay off in a year to be able to return and not start all over again. They don't care about your educational needs, they are only worried about the bottom line and that is the almighty dollar. Sad to say a Christian school has zero Christian ethics and a sense of compassion and empathy for its students.