CLICK HERE to visit our "Frequently Asked Questions" webpage, The official 'Borrower Defense to Repayment Guidebook', Borrower Defense claims from other students who already received a discharge, Step-by-step instructions (with illustrations) of how to complete the Borrower Defense to Repayment application, Resources that will help you obtain documentation. Think about when it was said, where you were when you heard it, who told it to you, what their official job title was, etc., and provide a direct quote, not a paraphrased version of what you were told. I dont really know what youre accusing them of having done wrong, and it definitely doesnt sound like they did anything illegal, so I would not submit this claim as-is. My son came out of the art Institute of ft lauderdale $100,000.00 in debt. Would we still be eligible to apply for loan forgiveness? In June of 2021, $500 million of relief was granted to 18,000 former ITT Technical Institute (ITT Tech) students. You can see the official list of schools by clicking. If approved, does this program cancel/dismiss private loans as well? Hi Tim i applied to have my loan forgiven back in October. They say the school misled them about everything from how likely they were to be employed after graduation to how. Read about it on my Guide to BDAR Discharges. These programs were created to help people deal with DEBT, and I dont think youll be able to qualify for a refund since you were paying in cash. How long will it take to hear back about it? Thanks for the kind words! If you paid cash, its going to be almost impossible to get it back, but theres always a chance, and I would still apply to see if itll work. Thoughts? List of Schools 2023 | Borrower Defense School list | Copyright 2023 - All Rights Reserved. I have a ton of information about the Closed School Loan Discharge Program here. Borrowers are usually eligible if they were enrolled, on approved leave or had withdrawn within four months of their college closing. And I believe that the AI is a scam and need some help. I loved the look of that horse, but I sure do not miss her bad behavior! He did, however, grant them a temporary stay lasting until March 3. Its basically youre only option and you have nothing to lose! The Art Institutes are owned by Educational Management Corporation, the second largest for-profit college in the US. Once you solve the obstacle, then building up career turns out to be more accessible. Dont believe them! At stake: forgiveness of up to $20,000 in debt for more than 40 . The Art Institute of California Inland Empire Convinced Me to Borrow Money On: Date Enrolled: 1/07/2008 and Graduated: 12/04/2012 3. I am most appreciative for your efforts to help those affected. However, if a company doesnt deliver what it promises, its scamming you that anyone who calls you asking for money without doing any work is clearly a scam!" Under this programs normal rules, you would have had to be enrolled or on an approved leave from the Art Institute within four months of the school closing, but the Department of Education has increased that eligibility timeline to all the way back to January 2018, meaning that anyone who attended the school at any point in 2018 will be eligible for the Closed School Discharge! We believe you can expedite this process by providing documentation to support your claim. The attorneys made an argument similar to what congressional Democrats had advanced in March when they asked DeVos to extend the timeline to October 2017, when the department approved the Dream Centers acquisition of the schools. We were a week to week family I got upset when I was denied and she began increasing us to try for the parent plus loan thAt it was the right and best decision to make and if approved if start my future beginning of the next quarter. Find out if your school is listed on the Official Borrower Defense School List today. In the next section, Ill explain exactly the Art Institute did that led that to its closing and class action lawsuit. The Borrowers Defense to Repayment Program or BDAR is one such program. The promised that my degree would get me an instant job as an interior designer. Any tips are appreciated. Is my fate doomed to filing for IDR repayment plans until the end of time or is there a chance at BDtoRD? Which was something I held on to for the rest of my last quarter up until the last week of school when I was told that the school returned that money to my lenders, which doesnt make sense because my student loans are completely the same amount. You wont qualify for a Closed School Discharge because those require being enrolled in the school within a small time window from when it shuts down. Besides, during the Trump Administration . Make sure that you do it at the US governments official website set up for this purpose, or you may be falling for one of the popular Student Loan Forgiveness Scams floating around. But before you get too excited, heres the most important part of the Borrowers Defense process: its extremely important that you link your Borrowers Defense claim to the Art Institutes lawsuit and the fraudulent activity that theyve been accused of performing. After my second semester, I suspected it was a big lie with the quality of education I was getting. Was promised 100% job placement prior to going to the school only to find out that their 100% job placement may be at Burger King or where or whoever was hiring. Borrowers who attended schools including DeVry University, ITT Technical Institute, the Art Institute, and the University of Phoenix, among others, may get their entire loan balance discharged if . I ended up dropping out in 2011 because I was so scared about my loans blowing up to $36,000! These are : With these three requirements in mind, you can confidently determine your full eligibility if you happen to qualify for the program. Hey Tim! First, are you currently attending another school after having transferred your credits from the Art Institute? We advise you to exercise patience since the line must have grown even longer in recent times. If you decide to move forward with an application for the Borrowers Defense Against Repayment, then you stand an excellent chance to write off your debts and benefit from the art institute loan forgiveness.Before you apply, there is some crucial information you need to consider. Also few years back the school was sold and now found out thatAIP closing. . As explained earlier, students get loans that they took during your study at The Art Institute written off if you meet two essential criteria. If you were influenced by the Art Institutes closure, you could apply to the Closed School Discharge program. I joined my classmates in filing a class-action lawsuit against the school for deceptive and fraudulent practices. The information is a bit hazy and I dont think I have evidence of their propaganda. Is this institution eligible for one of the discharge programs? I just want to know how long the process of hearing back with my respond. The settlement is divided into two . Will I get a email? Therefore, its vital that you pay attention to the details and fill out your application correctly, so lets look at the application process in more detail. While I have those, my main concern is my private loans held with two different providers. And that these fake rates were the deciding factor that convinced me to take out a loan to attend the school as well as get my parents to assist with Parent Plus Loans, do you think I could win my case as well as my parents? Thats hard to say. they told me a Lot of things that were lies to just get me to sign on the dotted line and my life has been a struggle ever since. Click here to see if we can help you! I am no longer employed and she does not make enough to make payments. 2 5 comments Best Add a Comment yesTHATvelociraptor 7 mo. I attended the Art Institute of Atlanta in the mid-90s. Unfortunately, the rules are the rules, and they leave a lot of people, like yourself, hung out to dry. Its a huge short-term and long-term savings, and certainly worth exploring. I took out around 20,000 in loans (half subsidized, half unsubsidized) not knowing what i was getting into, and being told my GI bill would assist in a lot of my payments, which they did not qualify to. How do I check the status of my Borrower Defense application? Fingers crossed. So now I have 88k in school loans with no degree and the credits are useless. Stopped collections status will continue until the borrower defense review process of your application is completed. How would I go about adding it to a BADR application? I took 2 quarters off. 1st guy told me $800.00, the next guy told $1,200.00-$1,500.00. Borrower Defense In Review? Then they hit me with the Financial Aid Ceiling thing. Join us on Zoom to find out the basics of Borrower Defense to Repayment, what the process of a discharge entails, and how to file a request We invite you and your friends/family to come and tour our offices and meet our friendly team of specialists coming together to help thousan Find out about the best online resources for students and also how to find information related to your school that will help you state a leg Do not worry! Is it still relevant? Is it possible to list both within my claim? I never finished the degree due to several deaths in the immediate family and the loans are now about 10 years old. I graduated in DEC 2009, Deborah Holder was the advisor who was suppose to help me with job placement never did. He started working in the industry right away but never made more than $15 an hour with any salary position requiring broadcasting degrees etc. By accepting our use of cookies, your data will be aggregated with all other user data. Like the Art Institute, the closure of these institutes means enrolled students who took student loans are eligible for loan forgiveness. I first applied online- met with a representative named Rachel who, similar to other stories, also promised immediate job placement upon graduating. Not only was I lied to about how easy I would find a job, I was being pulled out of class and told that I could not return until I signed off on more student loans. Ive trued to look into it and argued it with the state franchise tax board.but they say it is valid, because they used my signature online from when I signed the address paperwork. I owe $86K in federal and $80 in Private. I am REALLY relying on the lawsuits against ai and the fact that the schools closed down because of fraud. Like others in this post I have been promised to be making over 50K after I graduate and as everyone my loans reached over 90k as we had to keep getting more loans for more software, textbooks and other necessities for classes. Students who have completed their coursework prior to the closure of the school but are this Discharge program. What if I paid cash and now the school is closing? They completely robbed me blind and the runaround kept me from even getting a degree.they say i owe them money for a class i never took and couldnt attend until i payed. Now, when I look back at the day I graduated from college, I think of a lesson my school never taught me know your rights, and never stop fighting for them. We are able to use documentation from other students' whom we have advocated for, who have already APPLIED and QUALIFIED for relief through Borrower Defense to Repayment. Please let me know what you think about this. There is no statute of limitations for Borrower Defense. 264,000 Borrowers Will Get $6 Billion In Student Loan Forgiveness In Landmark Settlement Agreement With Biden Administration, The Department of Education agreed to wipe out $6 billion in student loan debt find out if you qualify. We can guarantee with all certainty that this program is legit!For many students currently enrolled in other institutions and trying to complete their education, this is the best option. I was told that they had someone who would help me get a job after graduation, and after graduation mostly all that person did was tell me to go on indeed.com. There have been all sorts of complaints about how the Online school was run, and if you can provide evidence for them committing fraud against you, youll have a great shot at getting approval for a discharge. Do you think I would be eligible to get some are all of this money back since my loan has officially been paid off? To successfully file a claim for theBorrowers Defense Claim, you need to point out the facts that the school violated the law in its dealing with you, and you enrolled in the institute as a result of illegal marketing tactics employed by the school. In order to do that, you will need to add details about the lawsuit into your Borrowers Defense application, including monetary settlement figures and links to reputable sources containing information about the lawsuit and settlement they agreed to. 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