I'm just writing this message in the hope that I can make you feel a little more optimistic about SFT. Having studied there myself I always found them to be very honest where money was concerned.
They opened a joint account at the beginning of the course so that the only way they could have my money was for myself and them to sign for it. This gave me alot of confidence.
At the end of my course I calculated that they owed me approx £1500 pounds however I was pleased to find that they had corrected a mistake I had made and paid me back the correct amount of £2300.
I know this doesn't help you much at the moment... but I do think knowing the staff and management at SFT they will try to do the right thing by their students.
I hope it all works out for you.