I saw an ad on the Internet that Skillbox was offering 12 months of free training. I clicked on the link and chose the SMM field. In fact it turned out to be, that they could only offer six months of free training. After that I closed the page and never came back to it. Today I get a call, The girl politely and intelligently tells me everything about the specialty and offers to buy a course. I agree and try to find out the exact cost of the course, to which They tell me the amount of about 170,000 rubles. Then the operator talks about the possibility of buying the course in installments, they say "we pay in installments the first 6 months for you, and from the first money you earn, you will be able to pay the installments yourself later". I say that even if you do. I will be taking a course, then not until next month. Without my consent, my phone receives a message from Tinkoff Bank with a 4-digit code, the girl on the line asks me to name him. I do. Then passport information. She says it will be approved within a minute. While we were waiting Approval" I go to my e-mail and see a letter from the bank that my loan of almost 200,000 rubles is being processed. I then received a notification from Tinkoff about the refusal to lend me money. Now I read the reviews and realize how good it is that the bank did not approve "my" application. After this incident there is no desire at all to contact this online school.