100% deposit at time of registration. 4% processing fee applied on cancellations when fee is paid by credit card (the fee applies to both the initial charge and refund processing). For cancellation within 14 days of a program, a non-refundable 25% of the program fee will apply. Within 7 days, cancellation fee is 50% of the program fee. If we find a replacement participant, only the 4% processing fee will be charged.