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Hay Braniacs, I attend kaplan UNiversity as well as went to other schools. If you drop a class in the middle of a semester or term, no matter where you go they will charge you for the classes. Financial will not cover it. Kaplan is a great school and have been around for a long time. Sorry, you didn't realize that if you fail or drop classes, it won't be covered. I am having a great experience here and love all of my advisors and professors. If you're not disciplined enough to get the process moving, then try a community college, again...don't drop your classes, they will send you to collections too.