I'm summarizing most of the information to reduce the size of this post, but trying to include the most pertinent information for the question.

In 2006 both my wife and I enrolled in a Bachelors in Science for Business Management degree program with an Online University.

The University is an accredited, non-profit university, and is in the top tier of online Universities.

The key points they market are, "Accelerated, Accredited, and Affordable". When I was researching my options, and speaking with an enrollment Counselor, we was told that on average it takes 2.5 years to complete the program.

To make a long story short, we proceeded as fast as we could, averaging about 4 to 6 classes per term. But it took us until July 2011 to complete the program. We did take one term-break of 6 months which brought us to 5 years of full-time work to complete the program.

I should mention that students are assigned what is called a "Mentor", who is a faculty member that calls and speaks with you on a bi-weekly basis, just to touch base, speak about progress, and concerns, and help with any needs. We had the same Mentor for 4.5 of the 5 and a half years.

At the outset, we both thought we would complete the course in the average amount of time of approximately 2 1/2 years, but considered it could possibly take up to 3, so that is what we planned and budgeted for.

As we worked with our Mentor to place classes in our terms, it appeared that it would take much longer that we thought, and on several occasions I asked our mentor about the length of time that was showing on our AAP (Academic Action Plan) which list all classes, and the terms that they're in. At the beginning all of the classes spanned 10 terms (5 years). When we inquired, he said "the computer just allocates the classes that way, not to worry" (I'm paraphrasing since we weren't documenting our discussions). Needless to say, we had a nagging concern since the time looked longer, but we were constantly reassured that it wouldn’t be an issue. As time went by, it became more clear that the time would in-fact take longer than anticipated, and more in-line with what the AAP actually said. Some time in 2010 I voiced concern to our mentor about the amount of student loans we were accumulating, and I also spoke with the Financial Aid Dept. of the school. Financial Aid said there was nothing they could do, and the tuition prices were fixed. The Mentor pointed out that if we didn’t continue, our student loans would become repayable and that we wouldn’t have a degree to show for it. We continued and finally graduated.

Our point of contention is that at no time during our discussions with the enrollment counselor did they disclose to us that the "accelerated" and "affordable" degree program could take as long as a traditional school and cost as much tuition.

I did speak to a local attorney about the issue, and he thought I definitely have a case, but honestly told me that the cost for me to hire him, would eat up most of what I would be asking for. Therefor I want to continue Pro Se and try to reclaim some tuition cost.

I've written several letters to the Dean and spoke on the phone with the CFO. They were only willing to pay back $6700, or approximately 1 term each. Our tuition totals about $62,000 together, and we're asking for $30,000 to credited back to the lender's.

I'm posting this to clarify about the Statute of Limitations (SOL), and although I'm curious to hear comments about the merits of the situation, I'm asking for specifically If since the SOL in NC is 3 years, at what point does the clock start ticking in a situation like this? At the point of enrollment? At the point of graduation? Or all the way through to the end of repayment?

I responded to your other post.