10% penalty. According to the contract, only students who can't study under special circumstances can get a refund after deducting the course fees, and the defaulting party should bear the penalty of 10%. Alpaca Education is a professional PTE online education institution with a pass rate of 84%. Since its establishment four years ago, the number of students with 65 marks has reached 24,000+,and the number of students with 79 marks has reached 1000+.