환불은 "자부담 대상 과정"에만 해당되며, 환불 절차는 다음과 같습니다.
1. 모집기간 중 신청강좌 취소
- [내 강의실 > 신청 중 강의] 텝에서 직접 취소 가능하며, 취소 시 카드 결제도 함께 승인취소 됩니다.
취소 내역은 [취소강의] 텝에서 확인 가능하며, 카드 취소의 경우 카드사에 따라 처리기간 최대 7일 까지 소요 될 수 있는 점 참고해 주세요.
2. 모집기간 종료, 학습시작 전 취소
- 모집기간은 종료 되었으나 학습시작 전 취소 원하실 경우 고객센터(1600-8778) 또는 1대1 게시판에 글 남겨주세요.
단, 교재 출고 여부에 따라 배송비 발생 될 수 있습니다.(교재 미사용 : 왕복 택배비 부담 / 교재사용 : 편도 배송비 및 교재비 차감)
3. 학습 시작 후 자부담금 반환(환불) 기준
* 해당 기준은 2015년 10월 20일 대통령령으로 제정된 『평가인정 학습과정 운영에 관한 규정』으로 변경 적용합니다.(하단 참조)
[제4조(학습비)]
① 교육훈련기관의 장은 학습자로부터 학습과정별 학습비를 받을 수 있다.
다만, 실험· 실습· 실기에 필요한 비용은 그 실비를 학습비와 함께 받거나 해당 사유가 발생하였을 때에 별도로 받을 수 있다.
② 교육훈련기관의 장은 다음 각 호의 어느 하나에 해당하는 경우에는 [별표]의 반환 기준에 따라 이미 납부한 학습비를 반환하여야 한다.
1. 과오납의 경우
2. 학습자가 『병역법』에 따른 병역 의무를 이행하기 위하여 군에 입대하는 경우 등 법령에 의하여 학습을 계속할 수 없는 경우
3. 학습자가 학습 포기의 의사를 표시한 경우
4. 학습자가 본인의 질병 · 사망 또는 천재지변이나 그 밖의 부득이한 사유로 학습을 시작하지 아니하거나 학업을 계속하지 못하게 된 경우
③ 제 1항에 따른 학습비 수납에 관한 세부적인 사항은 교육부장관이 정한다.
[별표 : 학습시 반환 기준]![](data:image/png;base64,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)
* 금액 차감은 “자부담액” 기준으로 진행 됩니다.(총 교육비 기준 x).
* "교재 있는 과정"의 경우 교재 반송 상태 확인 후 취소(환불)처리 진행 가능 합니다. (교재 반송 확인이 늦어질수록 환불(취소)은 늦어집니다.)
* 왕복 배송비 또는 편도 배송비 모두 훈련생이 부담 합니다.(왕복 6,000원 / 편도 3,000원 차감)
* 교재를 사용했다면 편도 배송비와 함께 교재비도 차감 됩니다.
* 수강 기간 기준으로 차감액이 산정되는 관계로 실제 환불 금액이 없을 수 있습니다.
4. 취소(환불) 불가 조건
- 총 회차에서 50% 이상 수강 또는 수강기간의 1/2이 경과하면 환불 불가 합니다.
- 자비부담금 없는 100% 정부지원금으로 수강하는 경우에는 지불한 자부담금이 없기에 환불금액도 없는 점 참고해 주세요.
또한 중도 포기자는 미수료 패널티 규정에 따라 패널티 발생 됩니다._[패널티 규정 확인하기]