You can't. I've experienced it myself. On August 7th, 200212002, I was cheated by my PDA teacher to enroll in an academic promotion class. A few days before the payment date, I called several times to urge me to register. I paid the tuition fee in 980 yuan in advance through Alipay, and made an installment payment connection through Alipay (total 12). The next day, because I found something was wrong, I couldn't repay the loan in the later period. I found a contact person to apply for cancellation of the account and cancel the loan. The other party doesn't want a refund on the grounds that it will deduct 20% of the registration fee. After eye-catching inquiry, Pocket Smart Test (Beijing) Education Technology Co., Ltd. has no academic qualifications to upgrade its business scope, and obviously has false propaganda and deception of consumers, requesting assistance in canceling the contract and returning the loan.