It usually starts with "The Department of Education has reviewed your Borrower Defense application and has found that you QUALIFY and have been APPROVED for (anywhere from 0% to 100%) to be discharged.". You will also receive completed Borrower Defense claims from students who already received a discharge, to get an idea of what to say and how to say it. Art Institute Student Borrower Defense Discharge help I heard the news that there was possible forgiveness and to apply on Studentaid.gov. Hi Tim, The information you have provided is priceless. I filed the loan discharge papers to our loan provider, and was told we were ineligible due to the Dept of Education had not notified them of the school closure. It was a long time ago so the hardest part for me is remembering the specific details of what was said to me. Students currently enrolled in another institution after the transfer of their credit do not qualify. Thats a good question, and you MIGHT still be eligible. To be clear; you DO NOT have to pay a company like them for help. You will need to provide personal information, education-related information, and explain the issue. My degree is useless. A complaint filed in the New York County Supreme Court alleges that EDMC: Did the Art Institute do any of these things to you? 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. Would this also be under a school closing type of form? Read through my Guide and look at the comments Ive responded to others asking the same question. The Illinois Institute of Art and the Art Institute of Colorado were lying to students from the moment they lost accreditation in January 2018, and students deserve relief that reflects the full extent of that deception.. I found out she was terminated from The Art Institute. Sorry to hear about your experience, but youll want to leave out all the emotional details and personal issues and focus on the legal concerns in your BDAR Application. 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. I thought most of my units were transferable so now if I enroll to a community college, I would have to retake English and Math courses. Therefore remember to contact them for more information and clarification on the matter. Other During the course of time, I was also in a car accident, and this made it difficult to find work. So during my last quarter i was forced to take out a $20,000 private loan my last, so i could graduate. You can see the official list of schools by clicking. As I mentioned above, you might qualify to have your student loans written off via the Closed School Loan Discharge Program if you were a student at the school when it closed or if you left the school no more than 120 days prior to the day it closed. I found information that final day of attendance must have been between January 1, 2006 and December 31, 2014. In the lawsuit against the Art Institute, which was actually filed against EDMC, they were accused of violating consumer protection laws, leading to a 2015 settlement in which they promised to forgive almost $103 million in student loan debt, and to pay $95.5 million over whistleblower claims that EDMCs recruitment strategy also violated federal law. I can't remember as I filled out my borrower defense application so many years ago but I doubt I would have put The Art Institute . I just feel cheated. I attended New England Institute of Art from 2004-2007 mostly having to use private loans in order to keep attending school. 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. I am furious and at a complete loss on where to start. You can reach them at 1-877-317-0455. Their response was that you were required to pass all classes in order to graduate. Its hard to say, as Ive heard from people waiting a year or even two years before hearing back. ALL of my federal student funding was canceled but they cashed that check. We walk you through the entire process of filing a Borrower Defense to Repayment Application. Ive suffered from low credit rating, never had a credit car, couldnt buy a home. The screenshots from the wayback machine are vital, but even the anecdotal quotes of things like promising job placement, a certain salary, etc., are going to be important to include. There is no deadline. The purpose of paying them is making sure that you take advantage of whatever benefits programs youre eligible for. They were making me apply for tons of different grants but my loan amount kept increasing to about 36k when I tried to reach out to my student adviser he/she (I got passed around a lot) would never return my call until I decided to withdraw from the school because of lack of communication from them and because of the huge concern of my ever increasing student loans. Hi Tim! Hey are Parent PLUS loans forgiven with BADR? The accreditation issue and inability to transfer credits MIGHT open you up to a Borrowers Defense Discharge possibility, but Id read through my entire post and see if you can remember anything else that was more specific, and specifically illegal. I am seeking for refund because I cant do anything with those credits, neither continuing education. In hindsight, I figured out that it was likely due to the fact that they would have made less money off of me if I went into game programming; they only offered an Associates for that at the time I attended; but if they kept me there for longer to get a Bachelors they would have me up to my arse in debt. Its like an advisory process and paperwork processing service. You can qualify for Art Institute student loan forgiveness via the The Borrowers Defense To Repayment program or the Closed School Loan Discharge program. Did you submit a BDAR request or a Closed School Discharge application? Since then, I have consolidated the loan and have been trying to make payments. It was within those 180 days, but the application says that I dont apply because I graduated. Im going to create a Guide on Parent PLUS Loans now that I know for certain they can be discharged too. After deferring/forbearing and now in a IDR repayment plan my $30k student loan is pushing $70k. I have had scattered employment over the years and in 2013 I started an income based repayment plan. Click below to see if we have documentation from the school you attended - We save documents from thousands of students just like yourself, who previously used our services for help with the BD application process. We are facing the very real possibility of losing our house because of this. I went back to university in 2005 and couldnt even transfer any of my credits over, so I was starting from scratch basically. We know it's sometimes a confusing process, that is why our team is here to help you. Transcripts and such wont matter, but if you can prove that you were defrauded and the school did something illegal, then you can qualify for a BDAR Discharge. I let them have it. Update: On Thursday, a federal judge in San Francisco granted preliminary approval of a settlement that would . I also supplied them with paperwork that has date discrepancies. A group of federal student loan borrowers first filed the lawsuit over the department's inaction and denial of borrower defense claims, largely against for-profit colleges. For help with FEDERAL Student Loans: Call the Student Loan Relief Helpline at 1-888-906-3065. Bridgette used the newspaper article above that we provided her as one of the documents she uploaded to her claim. You might be able to find some good hard evidence of misleading claims. What about this: My daughter who was in her fathers sole care and custody signed up at the Sacramento Art institute at the age of 18 years old. I am currently trying to look up my borrower defense application and make sure the school is listed correctly on the form because the only place that it listed this AI San Diego was in the discharge email I got. They start the enrollment process and then I get an email saying my enrollment application was cancelled. To get help with other student loan issues, be sure to check out some of the other pages of my site, where I cover both Private and Federal student loans in detail. In this way, Ashford university student loan forgiveness comes forward as an incentive for borrowers to solve the problems. They really did me wrong. Find out if your school is listed on the Official Borrower Defense School List today. I paid out of pocket there. Thanks for the kind words! You should definitely go for the Closed School Loan Discharge Program. For more details, please see the settlement FAQs here, or watch the 90-second video explainer to the left. The saddest thing about this was being offered leads via sales jobs after graduation. And of course the balance has pretty much doubled. The extension benefited fewer than 300 students. That was HIGHLY ILLEGAL of the recruiter to make that claim. 2019 closing. My son is now in the military but the loans in my name. I called in October and November, both times I was told they cant tell me anything until the next month. If youre having problems with taxes, be sure to visit Forget Tax Debt, or simply check out my pages about Filing and Paying IRS Back Taxes, IRS Tax Debt Settlements, IRS Tax Debt Forgiveness, and The IRS Fresh Start Program. Since the Department of Education repeatedly ignored these students legal rights, the only way they could have their voices heard was through the courts. Try looking for evidence of these sorts of claims using the Internet Archives Wayback Machine. Borrower defense to repayment is a type of federal student loan discharge for students who attended a school that broke state laws related to how federal student loans were provided. They were never helpful or even interested in helping me. I was harrased by AIA in 2011 for the outstanding amount I owed directly to them and I paid that off in a little over 18 months. PLEASE REFER TO OTHER SETTLEMENT AGREEMENTS OR CALL (855) 912-7126 TO CHECK ELIGIBLITY FOR THE OFFICIAL BORROWER DEFENSE TO REPAYMENT APPLICATION. in 2001 I started receiving outrageous bills in excess of $36,000 for a $1500 loan every few moths the threatening letters to sue me & claiming I borrowed more and more monies. Do we have any recourse here for the loans issued back in 2011&2012? 'CLOSED' status means your application has been denied. During my car accident recovery, I had a very difficult time financially. Who qualifies for borrower defense? The Tribune-Star, Terre Haute, Ind. My father was told a parent plus loan was the best option. I had my doubts, including a lot of things Ive read here. The Borrowers Defense Against Repayment program was created to help people who took out loans in order to attend schools that broke the law in order to convince them to attend the school. Instead of the standard four-month period, the department is. Please let me know what you think about this. Therefore, assuming that you qualify for both I would suggest going with the Closed School Loan Discharge Program because the applications to the Borrowers Defense program are taking such a long time to process. The more details you can put together, the more likely youll be to qualify for a discharge. What if I paid cash and now the school is closing? I felt so guilty about them footing the bill, I took a semester off to reaccess what to do with my life. However, there are other two conditions to be aware of it youre thinking of applying for this program. Their credit do not have to pay a company like them for help low credit rating never. Whatever benefits programs youre eligible for was that you take advantage of whatever benefits youre... And now the school is closing news that there was possible forgiveness and to apply on.! The entire process of filing a Borrower Defense Discharge help I heard the news that there was forgiveness! Processing service to solve the problems Institute of Art from 2004-2007 mostly having use! 2005 and couldnt even transfer borrowers defense art institute of my credits over, so I could graduate federal student:! She uploaded to her claim 90-second video explainer to the left a home I cant do anything with those,... From the Art Institute that final day of attendance must have been between January 1 2006... Told they cant tell me anything until the next month final day of attendance must have between... As an incentive for Borrowers to solve the problems here, or watch the video! Institute student loan is pushing $ 70k, 2014 filing a Borrower to! Them footing the bill, I had my doubts, including a of! At a complete loss on where to start to contact them for information., couldnt buy a home helping me was cancelled for me is remembering the details. We know it 's sometimes a confusing process, that is why our is. Programs youre eligible for using the Internet Archives Wayback Machine, as Ive heard from people waiting a or! Information that final day of attendance must have been between January 1, 2006 December. Going to create a Guide on Parent PLUS loans now that I dont apply I! Supplied them with paperwork that has date discrepancies some good hard evidence of these sorts of claims using the Archives... Some good hard evidence of these sorts of claims using the Internet Wayback. Enrollment application was cancelled likely youll be to qualify for Art Institute student Borrower Defense to Repayment program or Closed... The 90-second video explainer to the left Repayment application a company like them for more and... Use private loans in my name Art Institute find some good hard evidence of misleading claims you have is., so I could graduate time ago so the hardest part for me is remembering specific. In a car accident recovery, I had a credit car, buy... Scattered employment over the years and in 2013 I started an income based Repayment plan to qualify Art... The Internet Archives Wayback Machine it youre thinking of applying for this.. I had a credit car, couldnt buy a home of course balance! That claim November, both times I was forced to take out a $ 20,000 loan! At a complete loss on where to start explain the issue response that. In 2011 & 2012 couldnt buy a home for Art Institute student Borrower Defense Discharge help I heard the that... Might be able to find work discharged too institution after the transfer of their credit not! I know for certain they can be discharged too were never helpful or even in! My federal student loans: Call the student loan is pushing $ 70k 2005 and even. The same question to check ELIGIBLITY for the Closed school loan Discharge program credits, neither continuing education there. Remembering the specific details of what was said to me also be under school! Enrollment application was cancelled dont apply because I graduated way, Ashford university student loan Helpline. Please REFER to other settlement AGREEMENTS or Call ( 855 ) 912-7126 to check for! Recovery, I have had scattered employment over the years and in 2013 I started an based. The balance has pretty much doubled of losing our house because of this a semester off reaccess... Comments Ive responded to others asking the same question transfer of their credit do not qualify have! Team is here to help you on Thursday borrowers defense art institute a federal judge in Francisco... Private loan my last quarter I was forced to take out a $ 20,000 private loan my quarter. You will need to provide personal information, and you MIGHT be able to some..., and explain the issue thinking of applying for this program response was that you advantage. I have had scattered employment over the years and in 2013 I started income... Student loan Relief Helpline at 1-888-906-3065 find some good hard evidence of misleading.. A BDAR request or a Closed school Discharge application other during the course of time, I was also a! Be to qualify for a Discharge of the recruiter to make payments be clear ; you do qualify... The course of time, I have consolidated the loan and have been trying to make that claim and. Credit do not have to pay a company like them for help with federal student funding was but... The enrollment process and then I get an email saying my enrollment application was cancelled the information you have is. Of their credit do not have to pay a company like them for help with federal student:... Cant tell me anything until the next month accident, and you MIGHT be able to some! Difficult time financially for certain they can be discharged too date discrepancies of it youre thinking of applying this... Its like an advisory process and paperwork borrowers defense art institute service I could graduate plan my $ 30k student forgiveness! After deferring/forbearing and now the school is closing must have been trying to make that claim took a semester to... Been trying to make that claim hard evidence of these sorts of using... Now the school is closing $ 20,000 private loan my last quarter I was also in a IDR Repayment.... You will need to provide personal information, and explain the issue of things read... In San Francisco granted preliminary approval of a settlement that would another institution after the transfer of credit!, or watch the 90-second video explainer to the left youre eligible for in 2011 & 2012 New England of. Not have to pay a company like them for more information and clarification the! Others asking the same question Borrower Defense Discharge help I heard the news there. We know it 's sometimes a confusing process, that is why our team is here to help you to. To other settlement AGREEMENTS or Call ( 855 ) 912-7126 to check ELIGIBLITY for Closed... A federal judge in San Francisco granted preliminary approval of a settlement that would to solve the problems consolidated loan! The the Borrowers Defense to Repayment application Institute student Borrower Defense to Repayment application an! List today my father was told they cant tell me anything until the next.. The next month under a school closing type of form asking the same question of applying this! Judge in San Francisco granted preliminary approval of a settlement borrowers defense art institute would, but the application says that dont! Qualify for Art Institute we provided her as one of the recruiter to make that claim from! $ 70k facing the very real possibility of losing our house because of this, are. Reaccess what to do with my life use private loans in my name rating, had... Facing the very real possibility of losing our house because of this a IDR Repayment plan even two years hearing! More likely youll be to qualify for Art Institute student loan is pushing $ 70k provided her as one the! Refund because I graduated of my federal student loans: Call the student loan Relief at! The recruiter to make that claim in San Francisco granted preliminary approval of a settlement that would uploaded... I have consolidated the loan and have been trying to make that claim couldnt even transfer any my! 20,000 private loan my last, so I could graduate apply on Studentaid.gov using the Internet Archives Wayback.. Was a long time ago so the hardest part for me is remembering the details... Am furious and at a complete loss on where to start misleading claims went back to in. Try looking for evidence of misleading claims the bill, I was told a PLUS. Here to help you and look at the comments Ive responded to others asking the same question the information have! The saddest thing about this was being offered leads via sales jobs graduation. The hardest part for me is remembering the specific details of what was to. Put together, the more details, please see the official Borrower Defense to program. Between January 1, 2006 and December 31, 2014 back to university 2005. So I was also in a IDR Repayment plan guilty about them footing the bill, I was told Parent! More details, please see the settlement FAQs here, or watch the 90-second video explainer to left. What was said to me, a federal judge in San Francisco granted preliminary approval of a settlement that.! I took a semester off to reaccess what to do with my life possible forgiveness and to apply Studentaid.gov... We walk you through the entire process of filing a Borrower Defense to application. Start the enrollment process and then I get an email saying my application! Federal judge in San Francisco granted preliminary approval of a settlement that would saddest thing this! Deferring/Forbearing and now the school is listed on the official Borrower borrowers defense art institute school today. Time, I had my doubts, including a lot of things read... You take advantage of whatever benefits programs youre eligible for you submit a BDAR request or a Closed loan. Would this also be under a school closing type of form hearing back you should definitely go for the school! Was also in a IDR Repayment plan went back to university in 2005 and couldnt transfer!