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There would be no need for them to provide a new loan agreement. There was no new loan only a change in course. They sadly do not need to offer a refund. They did allow a change and a credit to future course.
Basically for courses, training, education, etc, once started, refunds are not applicable.
The provider has agreed to allow a change in course and instead of loosing the difference in price has allowed that to be credited to future courses
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