Oat has a money back guarantee. I suspect their failure rate is artificially high in order to limit the number of refund checks they write. That may sound like they are turning away good prospects, but all selective FTOs will do that in one way or another when demand exceeds capacity, which certainly seems to be the case right now. The reverse can be true when demand drops. If you do the tests at 3-4 FTOs and do poorly on all of them, maybe it's not the career for you though.