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I would check on how good that tuition insurances is. Some schools if you have to withdraw for serious medical reasons, you can take a medical withdrawal so that it will not hurt your GPA and also get tuition refunded or held to pay for the following semester.
At other schools, you can take the medical withdrawal so that it doesn't hurt your grades, but if the midterm date has already passed - all of your tuition for that semester is still due.
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