Core Viewpoint - The article highlights the deceptive practices of training institutions that lure students with promises of "learn first, pay later" schemes, which often result in financial burdens rather than educational benefits [1][2][3]. Group 1: Deceptive Practices - Many training institutions advertise courses with claims of earning potential while studying, but these claims are often false, leading students to incur debts without receiving promised income [1][2]. - Students report that the quality of courses is poor, with many being pre-recorded sessions lacking real-time interaction with instructors, which diminishes the learning experience [2][3]. Group 2: Contractual Issues - When students attempt to withdraw from courses, they are often faced with high penalties and fees, such as being required to pay 10% of the total course fee despite minimal attendance [2][3]. - Training institutions often employ vague terms in contracts that place excessive responsibility on students while limiting their rights, which may render such clauses legally invalid [3][4]. Group 3: Financial Misrepresentation - Some institutions misrepresent payment structures, disguising loans as "learn first, pay later" arrangements, leading students to unknowingly incur significant debt [3][4]. - There is a lack of transparency regarding the financial agreements, with students often unaware that they are signing financial loan contracts [4]. Group 4: Challenges in Consumer Protection - Consumers face significant challenges in seeking redress, including information asymmetry, difficulty in providing evidence of misleading practices, and complex legal processes [4]. - The article suggests that regulatory gaps exist in the oversight of educational financial services, calling for stricter scrutiny and enforcement to protect consumers [4].