Expert insights, guides, and updates on federal student loan forgiveness programs, borrower defense, and financial relief options.
School fraud and misconduct claims
Public service loan forgiveness
Income-driven repayment options
Latest updates and changes
Everything you need to know about filing a successful borrower defense claim, including new requirements, documentation tips, and common mistakes to avoid.
Recent updates to the Public Service Loan Forgiveness program have made it easier for qualifying workers to get approved. Learn about simplified applications and expanded employer eligibility.
Compare IBR, PAYE, REPAYE, and ICR plans to find the best option for your situation. Learn how to calculate payments and maximize forgiveness potential.
If your school closed while you were enrolled, you may qualify for complete loan discharge. Learn the application process, eligibility requirements, and timeline expectations.
Struggling to make payments? Compare deferment, forbearance, and income-driven plans to find temporary relief without damaging your credit.
Art Institute students were victims of misleading job placement statistics and aggressive recruitment. Learn how to file for complete loan discharge.
Protect your PSLF progress by filing employment certification forms annually. Learn when and how to submit ECFs to track qualifying payments.
Teachers in low-income schools can qualify for significant loan forgiveness. Learn about eligibility requirements, qualifying schools, and how to apply.
If you have a total and permanent disability, you may qualify for complete loan discharge. Learn about medical requirements, application process, and monitoring periods.
Protect yourself from fraudulent companies that prey on struggling borrowers. Learn how to identify legitimate relief services versus scams.
Former Corinthian Colleges students have strong borrower defense claims. Learn how Everest, Heald, and WyoTech students can get complete loan discharge.
Loan consolidation can simplify payments and unlock forgiveness programs. Learn when consolidation helps and when it hurts your financial situation.
ITT Tech students have strong borrower defense cases due to the school's misleading practices. Learn how to file your claim and get complete loan discharge.
Get out of default and restore your financial standing. Compare loan rehabilitation and consolidation to find the best path back to good standing.
Understand the key differences between federal and private student loans, including forgiveness options, payment flexibility, and relief programs.
Former Westwood College students have multiple discharge options. Learn about borrower defense claims and closed school discharge eligibility.
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If you attended a school that misled you, engaged in fraud, or violated state laws related to your education, you may be eligible for complete loan discharge through the Borrower Defense to Repayment program. This federal program has helped thousands of students eliminate fraudulent debt and rebuild their financial futures.
The Department of Education has streamlined the borrower defense application process, making it easier to submit claims and receive faster decisions. However, documentation requirements remain strict.
The borrower defense program is available to federal student loan borrowers whose schools violated applicable state laws related to their loans or education. Here are the most common qualifying scenarios:
Success in borrower defense claims heavily depends on having strong documentation. The Department of Education requires evidence that your school violated state laws. Here's what you need:
Collect all relevant documents that support your claim. The stronger your evidence, the better your chances of approval. This process typically takes 2-4 weeks.
Submit your borrower defense application directly to the Department of Education. Be detailed and specific about how your school violated state laws.
Upload all documentation that supports your claim. Organize everything clearly and provide detailed explanations for each piece of evidence.
The Department of Education will review your claim, which typically takes 6-18 months. During this time, your loans may be placed in forbearance.
Our experts have helped thousands of students get their loans discharged. Let us review your case for free.