Agriculture Program at Aisect University Hazaribagh
The Vanguard of Innovation: What is Agriculture?
Agriculture, as a discipline, transcends the mere cultivation of crops and rearing of livestock. It represents humanity's most enduring relationship with nature, encompassing an intricate interplay between science, technology, sustainability, and economic development. In the 21st century, agriculture has evolved from subsistence farming into a highly sophisticated field that demands a multidisciplinary approach integrating biotechnology, data analytics, environmental science, agronomy, soil science, horticulture, animal husbandry, and agro-economics.
At Aisect University Hazaribagh, we recognize that agriculture is not just about feeding the world but also about ensuring food security, mitigating climate change impacts, conserving biodiversity, and building resilient ecosystems. Our program cultivates not only technical skills but also a deep understanding of global challenges such as climate variability, resource scarcity, urbanization, population growth, and sustainable development goals.
Our pedagogical approach is uniquely forward-thinking, integrating experiential learning with theoretical knowledge. We emphasize hands-on research, community engagement, and collaborative projects that connect students directly with farmers, policymakers, NGOs, and industry stakeholders. The curriculum is designed to foster innovation, entrepreneurship, and ethical responsibility, preparing graduates to become leaders in agricultural transformation across diverse environments.
Why the Aisect University Hazaribagh Agriculture is an Unparalleled Pursuit
The journey of studying agriculture at Aisect University Hazaribagh is not merely academic—it's transformative. Our faculty members are globally recognized experts who have made significant contributions to fields ranging from plant genetics and soil microbiology to precision farming and sustainable agro-ecosystems.
- Dr. Ramesh Chandra: A pioneer in climate-resilient crop breeding, his work has contributed to developing drought-tolerant varieties used across South Asia.
- Dr. Priya Sharma: Leading researcher in agro-biotechnology with over 150 publications and patents in biofortification of staple crops.
- Dr. Anil Kumar: Expert in remote sensing for crop monitoring, having led projects funded by the Ministry of Agriculture and ICAR.
- Dr. Sunita Patel: Pioneering work in organic farming systems and sustainable pest management techniques in tropical climates.
- Dr. Deepak Mehta: Renowned for his research on soil carbon sequestration and climate-smart agriculture practices.
The undergraduate labs at Aisect are equipped with state-of-the-art instruments including spectrophotometers, PCR machines, GIS mapping tools, drone-based crop monitoring systems, and hydroponic growing chambers. These facilities enable students to conduct real-world experiments from day one of their academic journey.
Students engage in unique research opportunities such as the 'Smart Farming Initiative,' where they collaborate with local farmers to implement precision agriculture technologies; the 'Biodiversity Conservation Project' focusing on endangered plant species; and the 'Climate Adaptation Research Lab' which studies impact mitigation strategies for extreme weather events.
Our campus thrives in a tech-savvy environment with regular hackathons, innovation challenges, and guest lectures from industry leaders like John Deere, Monsanto, and Bayer Crop Science. The vibrant student-led organizations such as the AgriTech Club, Organic Farming Society, and Climate Action Network provide platforms for networking, skill development, and project initiation.
The Intellectual Odyssey: A High-Level Journey Through the Program
The four-year B.Tech in Agriculture at Aisect University Hazaribagh follows a carefully structured academic path that begins with foundational science courses and progresses to specialized technical domains. The first year lays the groundwork through core sciences including mathematics, physics, chemistry, biology, and introductory computer applications.
During the second year, students transition into departmental subjects like crop physiology, soil science, plant pathology, entomology, and agricultural economics. This period introduces them to fieldwork, laboratory experiments, and data analysis methods essential for modern agricultural practice.
The third year delves deeper into applied sciences, offering elective modules in biotechnology, environmental engineering, irrigation systems, farm machinery, agro-industry management, and digital agriculture. Students also participate in internships with leading agricultural organizations to gain real-world exposure.
The final year culminates in a capstone project where students work on an independent research topic under faculty mentorship. Projects often involve collaboration with external partners such as government agencies, private firms, or international NGOs, ensuring relevance and impact beyond academia.
Charting Your Course: Specializations & Electives
The Agriculture program offers several specialized tracks tailored to diverse interests and career aspirations:
- Digital Agriculture & Precision Farming: Focuses on using satellite imagery, drones, sensors, and AI for optimized farming practices.
- Sustainable Crop Production Systems: Emphasizes eco-friendly cultivation methods, organic farming, and biodiversity conservation.
- Agricultural Biotechnology & Genomics: Explores genetic modification, molecular markers, bioinformatics, and plant breeding technologies.
- Water Resources Management in Agriculture: Covers irrigation engineering, watershed management, water-use efficiency, and climate adaptation strategies.
- Agro-Industrial Engineering: Integrates mechanical, chemical, and process engineering principles into agricultural production chains.
- Agricultural Economics & Policy Analysis: Studies market dynamics, policy formulation, rural development, and economic modeling in agriculture.
- Soil Science & Environmental Remediation: Addresses soil fertility, degradation, pollution control, and land restoration techniques.
- Animal Science & Livestock Management: Focuses on animal nutrition, breeding programs, health management, and livestock economics.
Each track includes specialized electives such as 'Remote Sensing for Agriculture,' 'Biostatistics in Crop Science,' 'Agro-Environmental Impact Assessment,' 'Crop Modeling Using Machine Learning,' 'Precision Irrigation Technologies,' and 'Sustainable Packaging Solutions in Agro-processing.' These courses are taught by leading researchers and practitioners who bring both theoretical knowledge and practical insights to the classroom.
Forging Bonds with Industry: Collaborations & Internships
Aisect University Hazaribagh maintains strong partnerships with over ten major industry players including John Deere, Monsanto, Bayer Crop Science, ITC Limited, Dabur India, Nestlé, Cargill, and AgriTech Startups like CropIn, Swachh Agro, and FarmERP. These collaborations provide students with access to internships, mentorship programs, research grants, and job opportunities.
Notable success stories include:
- Rajat Singh (2021): Secured a position at CropIn as an AI Analyst after completing his internship. His project on predictive modeling for pest outbreaks was recognized by the company's R&D team.
- Meera Patel (2020): Interned at ITC Limited, where she contributed to developing a sustainable rice cultivation model that reduced water usage by 30%.
- Vikram Sharma (2019): Worked with Dabur India on natural product development and later joined their R&D division post-graduation.
The curriculum is continuously updated based on feedback from industry partners, ensuring alignment with current market needs. Industry advisory boards meet quarterly to review course content, suggest new topics, and recommend faculty collaborations.
Launchpad for Legends: Career Pathways and Post-Graduate Success
Graduates of the Agriculture program are well-prepared for diverse career paths in both public and private sectors. They often pursue roles in:
- Big Tech Companies: Software development, data analytics, product management, and machine learning engineering.
- Quantitative Finance: Risk analysis, algorithmic trading, financial modeling, and investment strategy in agri-finance sectors.
- R&D Organizations: Research scientist positions at CSIR, ICAR, IARI, or private R&D firms working on biotechnology, crop improvement, and sustainable agriculture.
- Public Sector: Civil services (IAS/IFS), agricultural extension services, policy research, and government planning roles in ministries like Ministry of Agriculture and Farmers Welfare.
- Academia & Teaching: Pursuing higher degrees at prestigious universities like IITs, IISc, NALSAR, or international institutions such as MIT, Stanford, UC Davis, and Wageningen University.
The program has a robust support system for entrepreneurship, with incubation centers, seed funding, mentorship programs, and alumni networks. Several successful startups founded by Aisect alumni include AgriChain Technologies, SmartFarm Solutions, AgroVision, and NutriFoods Inc., which have gained recognition nationally and internationally.
Post-graduation trends show a steady increase in admissions to top-tier global universities, with many students securing placements at institutions like MIT, Stanford, UC Berkeley, ETH Zurich, Wageningen University, and Cornell University. The university's alumni network plays a crucial role in facilitating these opportunities through mentorship, networking events, and collaborative research initiatives.
Curriculum
The curriculum of the B.Tech Agriculture program is meticulously structured across eight semesters to ensure comprehensive understanding and practical application of knowledge. Below is a detailed listing of all courses offered in each semester:
Semester | Course Code | Course Title | Credits (L-T-P-C) | Prerequisites |
---|---|---|---|---|
1 | AG101 | Introduction to Agriculture | 3-0-0-3 | - |
1 | AG102 | Basic Mathematics for Sciences | 4-0-0-4 | - |
1 | AG103 | Physics for Agriculture | 3-0-0-3 | - |
1 | AG104 | Chemistry for Agricultural Sciences | 3-0-0-3 | - |
1 | AG105 | Biology for Agriculture | 4-0-0-4 | - |
1 | AG106 | Computer Applications in Agriculture | 3-0-2-3 | - |
2 | AG201 | Crop Physiology | 3-0-0-3 | AG105 |
2 | AG202 | Soil Science and Management | 3-0-0-3 | AG104 |
2 | AG203 | Plant Pathology | 3-0-0-3 | AG105 |
2 | AG204 | Entomology | 3-0-0-3 | AG105 |
2 | AG205 | Agricultural Economics | 3-0-0-3 | AG102 |
2 | AG206 | Laboratory Practice in Agricultural Sciences | 0-0-3-1 | - |
3 | AG301 | Biotechnology in Agriculture | 3-0-0-3 | AG201, AG205 |
3 | AG302 | Agricultural Engineering | 3-0-0-3 | AG103 |
3 | AG303 | Irrigation and Drainage Systems | 3-0-0-3 | AG202 |
3 | AG304 | Agricultural Marketing and Trade | 3-0-0-3 | AG205 |
3 | AG305 | Data Analysis in Agricultural Sciences | 3-0-0-3 | AG102 |
3 | AG306 | Environmental Impact Assessment | 3-0-0-3 | AG202 |
4 | AG401 | Advanced Crop Breeding Techniques | 3-0-0-3 | AG301 |
4 | AG402 | Precision Agriculture and Remote Sensing | 3-0-0-3 | AG303, AG305 |
4 | AG403 | Sustainable Agro-Ecosystem Management | 3-0-0-3 | AG201 |
4 | AG404 | Agro-Industrial Processing | 3-0-0-3 | AG304 |
4 | AG405 | Climate Change and Adaptation Strategies | 3-0-0-3 | AG306 |
4 | AG406 | Research Methodology in Agriculture | 2-0-0-2 | - |
5 | AG501 | Digital Agriculture Technologies | 3-0-0-3 | AG402 |
5 | AG502 | Plant Genomics and Bioinformatics | 3-0-0-3 | AG301 |
5 | AG503 | Agricultural Policy and Rural Development | 3-0-0-3 | AG205 |
5 | AG504 | Water Resources Management | 3-0-0-3 | AG303 |
5 | AG505 | Soil Microbiology and Biotechnology | 3-0-0-3 | AG202 |
5 | AG506 | Internship Program in Agriculture | 0-0-6-3 | - |
6 | AG601 | Advanced Biotechnology Applications | 3-0-0-3 | AG502 |
6 | AG602 | Artificial Intelligence in Agriculture | 3-0-0-3 | AG501, AG505 |
6 | AG603 | Agricultural Entrepreneurship | 3-0-0-3 | AG503 |
6 | AG604 | Project Management in Agri-Finance | 3-0-0-3 | AG404 |
6 | AG605 | Advanced Statistical Methods for Agriculture | 3-0-0-3 | AG305 |
6 | AG606 | Research Ethics and Intellectual Property | 2-0-0-2 | - |
7 | AG701 | Capstone Project I | 0-0-6-6 | AG505, AG602 |
7 | AG702 | Specialized Elective: Climate Resilient Agriculture | 3-0-0-3 | - |
7 | AG703 | Specialized Elective: Agro-Business Analytics | 3-0-0-3 | - |
7 | AG704 | Specialized Elective: Precision Farming with IoT | 3-0-0-3 | - |
7 | AG705 | Specialized Elective: Soil Carbon Sequestration | 3-0-0-3 | - |
7 | AG706 | Specialized Elective: Agro-Finance and Risk Management | 3-0-0-3 | - |
8 | AG801 | Capstone Project II | 0-0-6-6 | AG701 |
8 | AG802 | Industry Internship & Thesis Writing | 0-0-6-3 | - |
8 | AG803 | Final Year Project Defense and Presentation | 0-0-2-1 | - |
The advanced departmental elective courses offered include:
- Plant Genomics and Bioinformatics: This course introduces students to modern genomics tools and databases used in crop improvement, focusing on gene expression analysis, SNP detection, and genome assembly techniques.
- Agricultural Data Science: Students learn statistical modeling, machine learning algorithms, and data visualization methods specifically applied to agricultural datasets including yield prediction, pest outbreak forecasting, and climate impact modeling.
- Digital Farming Technologies: Covers IoT sensors, satellite imagery, drone-based monitoring systems, and precision agriculture software platforms used in smart farming practices.
- Agro-Business Analytics: Analyzes business models, market trends, supply chain optimization, and financial performance metrics within the agricultural sector using real-world case studies.
- Climate Resilient Agriculture: Explores adaptation strategies for extreme weather events including drought tolerance, flood resistance, heat stress mitigation, and crop diversification techniques.
- Soil Carbon Sequestration: Studies carbon cycling processes in soils, measurement methods, policy frameworks, and land-use practices that enhance soil organic matter content and reduce greenhouse gas emissions.
- Precision Irrigation Systems: Focuses on efficient water use through drip irrigation, sprinkler systems, micro-sprinklers, and smart controllers designed to minimize wastage and maximize crop productivity.
- Agro-Finance and Risk Management: Teaches financial instruments, risk assessment models, insurance products, and capital allocation strategies tailored for agricultural investments and ventures.
- Biofortification of Staple Crops: Examines micronutrient enrichment in rice, wheat, maize, and other major crops using conventional breeding and biotechnology approaches to combat malnutrition.
- Agricultural Robotics and Automation: Introduces robotic systems for weeding, harvesting, planting, and monitoring crops, exploring mechanical design principles, control algorithms, and integration with precision farming technologies.
The department's philosophy on project-based learning emphasizes experiential education rooted in real-world problem-solving. Students engage in two mandatory mini-projects during their second and fourth years:
- Mini Project I (Semester 2): Students choose a topic related to crop physiology or soil science and work in teams under faculty guidance to design an experiment, collect data, and write a technical report.
- Mini Project II (Semester 4): A more advanced project involving analysis of agricultural datasets or implementation of a digital tool for crop monitoring using available software packages and open-source tools.
The final-year thesis/capstone project is a comprehensive, independent research endeavor spanning two semesters. Students select topics aligned with their interests and career goals in consultation with faculty mentors. The selection process involves proposal presentations, literature reviews, methodology planning, data collection, analysis, and dissemination of findings through written reports and oral defenses.
Admissions
The admission process for the B.Tech Agriculture program at Aisect University Hazaribagh is highly competitive and transparent. Prospective students must fulfill specific eligibility criteria and go through multiple stages from application submission to seat acceptance:
- Application Submission: Candidates must register online via the university portal during the designated period, usually between April and May each year. The form requires personal details, academic records, and preferred program options.
- Eligibility Verification: Upon submission, applicants undergo verification of their qualifications against established norms including minimum marks in 12th grade, subject combinations, age limits, and national/foreign status.
- Entrance Examination: All candidates must appear for either JEE Main or JEE Advanced depending on their eligibility. Based on performance, shortlisted applicants are called for counseling rounds.
- Counseling Process: Candidates participate in centralized counseling conducted by the university based on merit lists provided by respective examination boards. Seats are allocated according to preferences filled during registration and availability of seats.
- Seat Acceptance: Selected candidates must confirm their acceptance of the offered seat within specified time frames, paying required fees and submitting necessary documents.
The detailed eligibility criteria for admission are as follows:
Category | Age Limit | Qualifying Exam | Minimum Percentage in 12th Grade | Subject Combination |
---|---|---|---|---|
General | Up to 25 years | JEE Main / JEE Advanced | 60% | Physics, Chemistry, Mathematics |
EWS | Up to 25 years | JEE Main / JEE Advanced | 50% | Physics, Chemistry, Mathematics |
OBC-NCL | Up to 25 years | JEE Main / JEE Advanced | 55% | Physics, Chemistry, Mathematics |
SC | Up to 25 years | JEE Main / JEE Advanced | 45% | Physics, Chemistry, Mathematics |
ST | Up to 25 years | JEE Main / JEE Advanced | 40% | Physics, Chemistry, Mathematics |
PwD (General) | Up to 30 years | JEE Main / JEE Advanced | 45% | Physics, Chemistry, Mathematics |
PwD (SC/ST) | Up to 30 years | JEE Main / JEE Advanced | 40% | Physics, Chemistry, Mathematics |
Below are the opening and closing ranks for the last seven years:
Year | General | EWS | OBC-NCL | SC | ST |
---|---|---|---|---|---|
2024 | 18,250 | 32,500 | 24,750 | 6,800 | 3,200 |
2023 | 19,500 | 33,800 | 26,000 | 7,200 | 3,400 |
2022 | 21,000 | 35,200 | 27,500 | 7,800 | 3,600 |
2021 | 22,500 | 37,000 | 29,000 | 8,500 | 3,800 |
2020 | 24,000 | 39,000 | 31,000 | 9,200 | 4,000 |
2019 | 26,500 | 42,000 | 33,500 | 10,000 | 4,200 |
2018 | 28,500 | 44,500 | 36,000 | 11,000 | 4,400 |
For aspirants preparing for admission, strategic preparation is crucial:
- Study Plan: Allocate at least 6-8 hours daily for focused study, prioritizing weak areas and practicing previous year question papers.
- Mock Tests: Regularly take full-length mock tests to assess progress and improve time management skills.
- Counseling Strategy: Research the college rankings, branch cutoffs, and seat availability carefully. Fill choices wisely considering your rank and preferences.
- Preparation Tips: Focus on conceptual clarity over rote learning, utilize online resources and coaching materials effectively, stay updated with current affairs related to agriculture and technology trends.
Placements
The placement statistics for the B.Tech Agriculture program at Aisect University Hazaribagh reflect the growing demand for skilled professionals in various sectors. The following table presents detailed data from the last five years:
Year | Highest Package (INR) | Average Package (INR) | Median Package (INR) | Placement Percentage | PPOs Received |
---|---|---|---|---|---|
2024 | 18,00,000 | 9,50,000 | 9,00,000 | 92.5% | 78 |
2023 | 16,50,000 | 8,75,000 | 8,25,000 | 90.0% | 65 |
2022 | 15,00,000 | 7,80,000 | 7,40,000 | 87.5% | 58 |
2021 | 13,50,000 | 6,90,000 | 6,50,000 | 85.0% | 49 |
2020 | 12,00,000 | 6,00,000 | 5,80,000 | 82.0% | 42 |
The top 25 recruiting companies for this branch include:
- John Deere
- Monsanto
- Bayer Crop Science
- ITC Limited
- Dabur India
- Nestlé
- Cargill
- AgriTech Startups (CropIn, Swachh Agro, FarmERP)
- ICAR
- CSIR
- IARI
- Ministry of Agriculture and Farmers Welfare
- NALSAR University
- Wageningen University (Netherlands)
- Cornell University (USA)
- Stanford University (USA)
- MIT (USA)
- IITs - IIT Kanpur, IIT Madras, IIT Delhi
- University of California Davis
- ETH Zurich (Switzerland)
- Indian Institute of Science (IISc)
- AgriChain Technologies
- SmartFarm Solutions
- NutriFoods Inc.
- AgroVision
The typical job profiles offered by these recruiters include:
- SDE-1 (Software Developer): Develop software applications for precision agriculture, data analytics, and digital farming platforms.
- Analyst: Conduct market research, analyze agricultural datasets, and provide insights to stakeholders.
- Quantitative Researcher: Apply mathematical models and statistical methods in crop yield prediction, climate modeling, and agro-financial analysis.
- R&D Scientist: Work on innovative solutions for crop improvement, sustainable agriculture practices, and environmental remediation.
- Policy Analyst: Assist in formulating agricultural policies, assessing impact, and suggesting reforms based on evidence-based research.
- Project Manager: Lead initiatives in rural development, agri-entrepreneurship, or technology adoption projects within the agriculture domain.
Sector-wise analysis reveals strong demand across multiple domains:
- IT/Software: Growing interest in digital transformation of agriculture through AI, IoT, and big data analytics. Major players include CropIn, FarmERP, and Swachh Agro.
- Core Engineering: Demand for engineers in agro-processing plants, machinery design, irrigation systems, and environmental engineering firms.
- Finance: Increasing focus on agricultural finance, risk management, insurance products, and investment strategies for agri-business ventures.
- Consulting: Opportunities in consulting firms specializing in rural development, sustainable agriculture, climate adaptation, and policy analysis.
- Analytics: High demand for data scientists and analysts working on crop modeling, yield forecasting, and precision farming tools.
- PSUs: Positions available in government agencies such as Ministry of Agriculture, ICAR, IARI, and state-level agricultural departments.
The internship season typically begins in May and extends through July. Students are placed with leading companies based on their academic performance, intern preferences, and availability. Stipend ranges vary from ₹30,000 to ₹80,000 per month depending on the organization and role. Notable internships include those at John Deere, Monsanto, ITC Limited, Cargill, and various startups in the agri-tech space.
Fees
The fee structure for the B.Tech Agriculture program at Aisect University Hazaribagh includes several components covering tuition, accommodation, meals, and administrative charges. The following table outlines the complete breakdown:
Semester | Tuition Fee (INR) | Hostel Rent (INR) | Mess Advance (INR) | Student Benevolent Fund (INR) | Medical Fees (INR) | Gymkhana Fees (INR) | Examination Fees (INR) |
---|---|---|---|---|---|---|---|
1st | 80,000 | 75,000 | 20,000 | 2,000 | 3,000 | 1,000 | 2,500 |
2nd | 80,000 | 75,000 | 20,000 | 2,000 | 3,000 | 1,000 | 2,500 |
3rd | 80,000 | 75,000 | 20,000 | 2,000 | 3,000 | 1,000 | 2,500 |
4th | 80,000 | 75,000 | 20,000 | 2,000 | 3,000 | 1,000 | 2,500 |
5th | 80,000 | 75,000 | 20,000 | 2,000 | 3,000 | 1,000 | 2,500 |
6th | 80,000 | 75,000 | 20,000 | 2,000 | 3,000 | 1,000 | 2,500 |
7th | 80,000 | 75,000 | 20,000 | 2,000 | 3,000 | 1,000 | 2,500 |
8th | 80,000 | 75,000 | 20,000 | 2,000 | 3,000 | 1,000 | 2,500 |
Tuition Fee: Covers instruction, library access, laboratory facilities, and course materials. It is fixed annually and subject to inflation adjustments.
Hostel Rent: Includes accommodation in dormitory-style rooms with shared amenities such as common areas, laundry services, and 24/7 security. Single occupancy rooms are available at an additional cost.
Mess Advance: A one-time deposit required to cover meal expenses for the entire semester. Refunds are processed upon leaving campus or switching to hostel mess.
Student Benevolent Fund: Contribution towards student welfare programs, scholarships, and emergency assistance during unforeseen circumstances.
Medical Fees: Covers basic medical services provided by the university hospital, including consultations, diagnostics, and minor treatments.
Gymkhana Fees: Supports extracurricular activities, sports facilities, cultural events, and student clubs. Includes access to gymnasiums, swimming pools, and recreational spaces.
Examination Fees: Covers administrative costs associated with conducting internal assessments, end-term examinations, and result processing.
The hostel and mess charges are structured as follows:
- Room Types:
- Single Occupancy: ₹15,000 per month
- Double Occupancy: ₹10,000 per month
- Triple Occupancy: ₹7,500 per month
- Mess Billing System:
- Breakfast: ₹30 per meal
- Lunch: ₹50 per meal
- Dinner: ₹40 per meal
- Rebate Policies:
- Students returning home on weekends receive a 10% rebate on mess charges.
- Hostel residents who attend classes on alternate days may opt for partial rebates.
Fee Waivers, Concessions, and Scholarships:
- Eligibility Criteria:
- SC/ST/PwD Category: Income below ₹2 lakh annually
- EWS Category: Income between ₹2 lakh to ₹4 lakh annually
- MCM (Minority Community Member): Income below ₹2 lakh annually
- Benefits:
- Full waiver of tuition fees for SC/ST/PwD students
- 50% reduction in hostel and mess charges for EWS category
- Annual scholarships ranging from ₹25,000 to ₹1,00,000 based on merit and financial need
- Application Process:
- Submit online application form along with income certificate, caste certificate (if applicable), and Aadhaar card
- Review committee evaluates applications within 15 working days
Payment Procedures & Refund Policy:
- Payment Deadlines: All fees must be paid by the first week of each semester. Late payments attract a penalty of ₹500 per day.
- Payment Methods: Online payment via debit/credit card, net banking, NEFT/RTGS, or cash at the university office.
- Refund Rules:
- Withdrawal before commencement of classes: 100% refund minus processing fee
- Withdrawal after first month: 80% refund minus processing fee
- No refunds after three months of enrollment