You may have negociated poorly. Happened to me too for a series of privates. I somehow wasted my time, but the wasted money was all hers. She paid it all. Back to peer-to-peer. During his college years, my brother attended for a while some jive classes, taught by students of the same campus. The said students were attending classes in town with real teachers, and the next day were teaching the sequence, thus making money in the process as well. P2P learning, with the advanced peers being advanced by one day.