Hi, I am a member of the Family of teambenefactor.com, a group of people who believe in making opportunities available to people who normally cannot afford the initial payments for promising and new programs. Many of the programs are benefactored (pay-it-forward), but will request the efforts of those receiving help to keep the program they have entered move forward. This is how the Family will help those who are financially challenged to change their lifestyle and help others in need to do likewise. Most programs have teaching conference calls or webinars.