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MsW***, In reviewing your issue, let me first apologize for the misunderstanding and thank you for the opportunity to provide your personal training education You are correct that ISSA does offer payment options for our students, including a 2-payment, 3-payment, and a 4-payment plan However, the 3-payment and 4-payment plan options are not offered with a discounted price For clarification, the 4-payment plan is calculated as follows; the cost for the certification would be at the full retail price of $ Additionally, there is a $10/month plan fee and a shipping fee $+ $plan fee + $shipping =$ This would equal monthly payments of $MrM [redacted] is simply following the guidelines and procedures set forth by our company policy, our accrediting body and adhering to the Truth in Lending Act All that being said, ISSA understands that you have a like-minded desire to obtain your personal training education in order to serve the needs of others It is with that understanding that we would like to offer you a scholarship for a single ISSA certification course with our compliments Should you opt to accept this offer, please email me your full name, home address and phone number along with the name of the single ISSA certification course you prefer I will see to it that you are enrolled and will ship you the course Best, M [redacted] ***Director [redacted] @issaonline.edu

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