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Which Course Do I Need To Take? Why Are These Courses Mandatory?

As per the Bankruptcy Abuse and Consumer Protection Act of 2005 (BAPCPA), people who plan to file for bankruptcy protection must get credit counseling within six months before they file, and must complete a course in debtor education after filing. Dollar Learning Foundation is an approved Credit Counseling Provider, and $Education USA, LLC is an approved Debtor Education Provider.

What States Are You Approved In?

Dollar Learning Foundation is approved to provide the pre-filing credit counseling course in all states. $Education USA, LLC is approved to provide the post-filing debtor education course in all states except for Alabama and North Carolina.

What Are Your Fees?

Credit Counseling course is $14.95 (Per Household).
Debtor Education course is $9.95 (Per Household).

What Are My Payment Options?

Dollar Learning Foundation and $Education USA both accepts major credit cards and debit cards as payment methods. Another alternative is a pre-paid VISA or MasterCard.

How Long Does It Take To Complete The Courses?

The Credit Counseling session takes approximately 60-90 minutes to complete. The Debtor Education session takes about 2 hours to complete.

What Is The Difference Between The Credit Counseling Course And The Debtor Education Course?

Credit Counseling must take place before you file for bankruptcy; debtor education must take place after you file for bankruptcy. As a rule, you must file a Credit Counseling Certificate of completion when you file for Bankruptcy, and evidence of completion of Debtor Education after you file for bankruptcy – but before your debts are discharged

I Was Logged Out From My Course Session. How Do I Go Back In?

You need to log back in as returning user. If you are already logged out, all you need to do is click on the “Returning User Log In” button at the upper right hand corner of the page. Please choose the course you are currently taking, and enter your username and password to access your course.

How Will I Get A Copy Of My Certificate

During the registration process, you will be asked to enter your personal information. We will send a copy of your certificate to the e-Mail address you entered during the registration.

How Will My Attorney Get A Copy Of My Certificate

During the registration process, you will be asked to enter your attorney’s information. We will submit a copy of your certificate to the fax number and/or e-Mail address you provided for your attorney.

My Attorney And I Did Not Receive My Certificate. How Do We Get A Copy?

To request for a copy of your certificate, send an email with your complete name, registered username, last 4 of SSN, and the e-Mail addresses you want your certificate(s) to be sent to. We respond to these certificate requests in a timely manner.

For Credit Counseling Certificates, send email to firstcoursesupport@prebk.com
For Debtor Education Certificates, send email to secondcoursesupport@prebk.com

Alternatively, you can download your certificate of completion from the main dashboard of your account. Simply log back in to your account and you’ll see your certificate in the Main Client Dashboard.

I Do Not Wish To Continue With The Course And I Want A Refund.

Dollar Learning Foundation Inc.

Student debtors are required to send a written request regarding the refund. Student debtors with incomplete accounts will be issued a full refund. Refund requests that meet these criteria are processed immediately upon receipt of the written request either by email or by fax.

Dollar Learning Foundation Inc.
21550 Oxnard Street 3rd Floor #001
Woodland Hills, CA 91367
Email: firstcoursesupport@prebk.com Fax: (855) 247-9906

$Education USA, LLC

If requested, $Ed will provide refunds according to the following guidelines: Please email secondcoursesupport@prebk.com
(1) If a person completes the course and a certificate is requested and issued, no refund will be provided;
(2) Otherwise, a refund for the amount paid less a $5 fee for expenses incurred will be issued.

A refund must be requested within 30 days of payment.

I Forgot My Username And Password.

To retrieve your log-in credentials, click on the ‘RETURNING USER LOG IN’ button at the upper right hand corner of the home page, then select the course you are currently taking. You will then be routed to ‘ACCOUNT INFORMATION LOGIN’. Click on ‘FORGOT PASSWORD’ and an email containing your log in credentials will be sent to your e-Mail address. You must enter these credentials in the ACCOUNT INFORMATION LOGIN page.

Do I Have To Complete These Courses In One Session?

Your course progress is automatically saved by the system as you click on the “NEXT” button. You can take breaks in between modules and log out of the course at any time. To continue on where you left off, simply log back in as returning user (‘RETURNING USER LOG IN’ button found at the upper right hand corner of the home page).

What If I Can’t Afford Your Fees?

Dollar Learning Foundation Inc.

Dollar Learning Foundation Inc. provides services without regard to a client’s race, religion, national origin, gender, social position, handicap, financial status or ability to pay. Dollar Learning Foundation Inc. will waive the course fee if the current household income is 150% or less of the Federal Poverty Level Guidelines last published by the United States Department of Health and Human Services for the size of your household and your financial circumstances. Dollar Learning Foundation Inc. may also waive the fee if your attorney represents you pro bono. Please note that to receive a fee waiver you will be asked to provide proof of monthly household income/size or documentation of pro bono service.

To determine your eligibility for a Fee Waiver, you will need to provide us with the following information:
- Your State of Residence
- The number of persons currently living in your household
- Your total annual household income

Once it is determined that you are eligible for a Fee Waiver, you will need to provide us with documentation supporting your current household size and annual household income, as well as your contact information.

- Proof of current household size may be your income tax return or other government document that shows proof of household size.
- Proof of current household income may be provided by submitting your most recent Income Tax Return or W2’s, your three most recent pay stubs, your unemployment certificate, or a statement of benefits obtained from the government or Social Security Administration.
- Contact information including Full Name and Email/Phone Number
If you are unable to provide proof of either household size or income, you will need to submit a narrative describing in detail the reason why.

You will need to send all supporting documentation:

- By email to: firstcoursesupport@prebk.com
- By fax to: (855) 247-9906

Once Dollar Learning Foundation receives ALL supporting documentation, Dollar Learning Foundation will respond within 3 business days via the contact information you submitted and provide you with a Fee Waiver Code.

Please Note: Approval for a Fee Waiver of the counseling fees must be received BEFORE the course is started. Refunds will not be given after the fact.

$Education USA, LLC

A fee waiver is available if the consumer has income less than 150 percent (150%) of the poverty guidelines last published by the United States Department of Health and Human Services (DHHS) (http://aspe.hhs.gov/poverty/13poverty.cfm). Please review these guidelines to see if you qualify.

Please Note:

The income for comparison to the poverty guidelines is the “Total Combined Monthly Income” as reported (or as will be reported) on Line 16 of Schedule I of the bankruptcy petition.

Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.

The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.

The income of any other family member listed on Schedule I as a dependent also is included.

If you qualify and would like to arrange for a waiver, please forward a written request for the waiver along with evidence of any and all income by email to secondcoursesupport@prebk.com