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Unfortunately, you negated your buyer protection by paying as friends and family. You sent a ‘gift’ payment. Never use friends and family option for a purchase. Paying as goods and services ensures you get opportunity to dispute if something goes wrong. The 21 day holding period ensures that the recipient ships and doesn’t run off with the money so fast should there be a problem.
You paid tuition to learn a lesson at least so all is not lost.
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