Can I Take the Course for Free If I Cannot Afford It?
Yes. Bankruptcy Logic offers a fee waiver for those who qualify. If your household income is below 150% of the federal poverty guidelines, you may qualify for a full or partial fee waiver assessed on a case-by-case basis.
Let us know before enrolling — do not pay first. Fee waivers cannot be applied retroactively after payment has been submitted.
Who Qualifies
Those whose household income is less than 150% of the federal poverty guidelines may qualify. Eligibility is assessed on a case-by-case basis, taking into account:
Monthly income and household size
Necessary living expenses
Amount paid to an attorney or petition preparer for the bankruptcy case
Discretionary or non-essential spending
Other relevant financial hardship factors
Current federal poverty guidelines: aspe.hhs.gov/poverty-guidelines
Pro bono cases: If your attorney is providing pro bono legal representation, the course fee is waived. Your attorney or you must let us know before enrollment.
What the Waiver Covers
A fee waiver covers the base course fee. Since Bankruptcy Logic does not offer optional services or upsells, the waiver in practice covers the entire charge.
How to Apply
Let us know in the chat before enrolling — ask to speak with the team
Complete the Fee Waiver Request Form (available through the team)
Submit documentation of your financial situation:
Recent pay stubs
Social Security or unemployment benefit letters
Proof of public assistance
Applications are reviewed within 2 business days — results provided by email
If approved, you will receive enrollment instructions for fee-waived access
If denied, you may appeal by letting us know with additional supporting documentation
Quick Facts
Detail | Information |
Income threshold | Below 150% of federal poverty guidelines |
Eligibility | Case-by-case assessment |
Pro bono cases | Fully waived |
Contact us | Before enrolling — do not pay first |
Review time | 2 business days |
What is waived | Base course fee ($19.95) |
Retroactive waivers | Not available after payment |
Frequently Asked Questions
What if I already paid before realizing I qualify? Fee waivers cannot be applied retroactively. Let us know immediately — if the course has not been started and you are within 3 months of payment, you may be eligible for a refund. You can then re-enroll through the fee waiver process.
How do I know if I am below 150% of the poverty guideline? Visit aspe.hhs.gov/poverty-guidelines to find the guideline for your household size. Multiply it by 1.5. If your household income is below that number, you may qualify. Let us know and we will help confirm your eligibility.
Can I be denied a fee waiver? Yes. Eligibility is assessed on a case-by-case basis. If denied, you may appeal by letting us know with additional supporting documentation.