I signed my grandson up for karate classes in September 2007. His family moved 135 miles away in May 2008. I contacted the karate school Ernie Reyes' World Martial Arts and soon thereafter Educational Funding Company. Here is where the nightmare begins. I sent EFC a letter from the principal of the school where my grandson would be attending in June 2008. EFC continued to bill my credit card for the monthly amount. In September 2008 I put this in dispute with my credit card and sent them all the documentation that I had sent EFC. They refused EFC the October monthly payment. Now EFC is sending me notices of "First Late Notice" I have suffered all kinds of undue distress and anguish over this situation. I strongly recommend that you do not sign up for "karate " lessons with Ernie Reyes' World Martial Arts and DO NOT sign a Tuition contract with Educational Funding Company. What a nightmare this has been. You cannot cancel this contract as stated in the contract. BUYER BEWARE!!!