Hi, I can give you advice from the program side.
1. Contact the program itself, hopefully you are on good enough terms to do so.
2. Make partial payments for the "correct" amounts you think you owe to show good intentions, while Leif/program are sorting things out.
3. If you don't pay by the due date at all, I think they just carry forward your balance and you have to not pay for 6 months to go to collections or something. Double check if you have late fees though.
4. The program has to direct Leif to pursue collections. You won't have "legal problems" per se from Leif.
5. I would recommend documenting your stuff on your own in a spreadsheet so if something does happen, you should you were on top of things and organized.
u/drunknixon wrote (the comment Michael replied to):
Thank you! I didn’t realise thinkful still had anything to do with them!
I don’t have late fees but they give you 90 days to complete obligations before you are considered in ‘breach’.
I contacted my career advisor whom I still talk to sometimes, hopefully she can connect with
u/michaelnovatireplied·
I mean I don't know if Leif has a special arrangement with them to operate automatically on their behalf, but someone from the program should have access to your contract in Leif to check things out and to also prevent it from having "legal problems" while you sort it out.
Regarding disputing the contract. If the program did try to teach out and wasn't a giant scam, then you should pay something for the time and effort... one of the problems with ISAs is that some programs make it seem like you only have to pay it if you get a good job in tech, but that's wrong, and you should think of an ISA as a way to pay for the training you received, not the outcome you expected. If the training itself was subpar to what you expected, talk to the program about reducing your ISA to a reasonable amount of money that you think you feel is appropriate.