It depends on what agreements were made with the coach when you agreed to take lessons from her. It's unusual to pay for lessons upfront, but not unheard of. If you haven't actually had any of the lessons, you are probably entitled to at least some of the money back, but again it depends on what you agreed to at the time you employed her initially. Most coaches have a policy on how long in advance you need to inform them of an absence to not be charged for the lesson, so some of it will depend on when these lessons were supposed to happen. There is also a matter of how you paid her. A cheque can be cancelled, but if you paid in cash you will have to approach her for a refund. I'd say ethically, she is entitled to the pay for at least the first lesson as you did initially agree to work with her, after that if you have given sufficient notice that you are terminating the agreement (usually understood to be at least 24 hours, but could be as much as a week depending on the initial agreement) you are entitled to the money for the remaining session as you never received the lessons. If you're paying through the club, that's a whole other matter, but might actually make things easier. If that's the case then inform them of your decision and they will let you know what the policy is. If it's through the club, you will probably have an easier time of it as the club tends to keep the money and then pay the coaches when they bill for the hours they have worked after the fact.