I think you may still be able to qualify for the Corinthian Forgiveness Program under the Defrauded Student Relief component of the plan. Borrowers who took out private student loans through Corinthian’s Genesis program may also be eligible for some debt relief under a settlement with the Consumer Financial Protection Bureau (CFPB). But, it’s not necessarily easy to prove that you were defrauded, since you’ll have to write a Borrowers Defense Against Repayment letter (which is a legal document), to prove that Corinthian violated some state or Federal law, and that your resulting loan should thus be discharged in full. The teachers were providing answers to questions on the tests. Because people are waiting OVER A YEAR to hear back on their Borrower’s Defense Applications, so getting it wrong the first go-around could mean having to pay another year or two of your student loans. It’s going to take some time for everyone’s requests to get processed. The VA removed Heald from their approved schools list a couple months before they closed, so I transferred to another school. Wyotech, Laramie used a Wyoming state bank for his private loan. NCDOJ does not represent individuals in private cases. What if I was lied to after already being enrolled? I know this will take some time. For some borrowers, the tax bill might be an even bigger burden than continuing to pay off the old loans, leading to a tricky situation. However, its not on the list of closings)…and they were not keeping my original degree, so they told me I either had to pick a new degree or finish the one I have but it is not longer accredited or promised anything. Also, the refund thing is handled on a case by case basis. Hello, I went to Everest college in Hayward ca. With that said, I’d still give it a shot, because they’re only a phone call or email away. I am still awaiting a response to the application. This makes no sense! Oh and we did get refund for the amounts paid on the federal loans. The only interest you’ll be forced to pay is whatever accrues during the time that your loan is placed on Forbearance (while your Defense to Repayment claim is being evaluated), and only if you stop making payments to cover interest accrual during that time. To summarize, all proved to be lies. When I found out about the loan-forgiveness program for WyoTech students, I was advised by one of the Federal Student Loan customer service reps to file a complaint with CFPB (since mine was a private loan). Pretty much exact same thing here as well. I am very proud that my son is serving for our country. I went to WyoTech (06-07) on a Private Loan, and WyoTech screwed up the loan financing by not certifying the loan in time (they had the paperwork 3 month in advance! Thank you again for your assistance. College Access Loan (CAL) Program The College Access Loan Program provides alternative educational loans to Texas students who are unable to meet the cost of attendance. I didn’t even hear about loan forgiveness until after my loans were paid off (I’m sure you can imagine how angry I was). I was in the IT Network Security Program AAS degree. I filed the complaint with CFPB (included all relevant documentation) and this is the response I received: …. If you’re not sure, contact the CFPB or ask your loan servicer – the entity that sends you monthly statements about your private loan. Hi, my name is Elena, I attended Everest Colle in 2011, major Medical assistant, i was wondering if there is any loan forgiveness. Corinthian Forgiveness was originally announced by President Obama way back on June 8th, 2016, and was promised to offer a total payout of up to $3.6 BILLION in forgiveness benefits, but not everyone who attended one of the schools listed above qualifies to receive the funds. Now I’m stuck with this around $14,000 loan which now is in default and ruining my credit score. Any advise will help. I have not paid on loans due to students receiving loan forgiveness. Are your loans Federal or Private? I attended Everest college online mesa, az from 04/2009 to 04/2011 major: criminal investigations am I eligible to apply for this loan forgiveness? Contact the Credit Bureaus and ask them what you need to provide to prove that these should be removed. It’s illegal for the school to promise something like that to you, so you should be all set with or without the weird instructor part. what can i do? They also informed me it takes about a year to get to each claim. The best way to find out for sure whether or not you’ve got a solid legal ground to stand on would be to consult with a local attorney who has experience dealing with student loan debt. Hopefully it goes back prior 2010 because they were doing the fraudulent acts in 2007. I hope it works out for you, and I want to hear how it goes. Adriana. Actually, he did not join the military until shortly after he graduated Wyotech. i went to everest university withdrew 1/11/15 the campus went to “tech out” program i don’t know if that means they closed. Do you have any advice about what I can do, or do you think I will end up having to pay? However, I think they only advise (technically) on Federal Loans, and since yours are Private, they may not be able to help. HI there, so I’ve been searching loan forgiveness on Wyotech and came across your site. Not to mention when I was attending I wanted to take a semester off due to giving birth and was told I would have to withdraw but would still have to pay to which I have proof of via email. I am writing on behalf of my son who is currently stationed in Europe. Long story short. It takes so long because tens of thousands of other people are all applying for the same benefit, and the Department of Education is woefully understaffed. I turned the paperwork,attention form, documentation almost a year ago, still no info, isn’t there a phone number, something to speed up porocess? Federal Direct Loan borrowers can potentially discharge their loans if they can prove that the school committed fraud, misrepresented its educational services, or otherwise violated state law related to your loans. Still though – it’s a much better deal than having to continue paying off those dead-end loans. I tried getting ahold of everest college but its closed along with all everest in california. And if you’re looking for Private Student Loan Relief, be sure to look at pages on Private Student Loan Forgiveness Programs, Private Student Loan Consolidation Programs, Private Student Loan Bankruptcy Discharges and Private Student Loan Default Help. You cannot get an approval without being direct and to the point. My advice is to consult with the Student Loan Relief Helpline, which is my favorite student loan debt relief agency, who will research your situation, determine which legal claims you should include on your application, fill the entire thing out for you, and handle the entire process on your behalf. For Federal Student Loan Relief, visit my pages about Federal Student Loan Forgiveness Programs, Federal Student Loan Bankruptcy Discharges, Federal Student Loan Delinquency, Federal Student Loan Rehabilitation Programs, and Stopping Federal Student Loan Wage Garnishments. Each of them told us that we would either need 2 different lawyers since I went to WyoTech in PA but we live in WV, or we would need a lawyer that is bonded in BOTH States, and in the end it would cost us more in legal fees than the entire loan amount. Hi, great article, very informative. I had to take a discharge paper to different departments and get them to sign off on my discharge. My bf attended in 5/09 the year isn’t included in the above listed, he withdrew after asking and trying to get his transcript to transfer to community college….9700.00 later in student loans is it possible the could be forgiven and if so how do I go about preceding? There is no status on my claim, its been since June 2016 that they received my paper work. For years I have tried to ignore it but I need this resolved… What are my options? I started Everest in Tacoma back in February 2010 for the Medical Assistant program I was definitely told about job placement but never found a job in the Medical Assistant field ever. 114 West Edenton Street Scroll down to the section below called Defrauded Student Relief for advice on how to prepare your letter and qualify for this forgiveness benefit. I don’t want my kids to start out life in debt, mostly when I now have trust issues from this. My husband attended Heald (HNL) and we did finally get an email indicating our Federal loan was forigiven ($26,000). I was part of the Heald college fraud, a few months back I mailed My accurate information to the office of education. So far, students from 91 campuses in 20 states are eligible for forgiveness. Wish I had better news, but I don’t think he’s got a shot at getting anything back. do i get refunded money I’ve already paid for my student loans? It’s POSSIBLE, but highly unlikely that you’ll qualify for anything. Refunds are a tricky part of the process and based on the feedback I’ve received, are hit and miss. You never really can tell how these things are going because there isn’t anyone to contact for an update, but if it’s been way longer than you think it should have taken, I’d contact the Department of Education and see if they can provide you with some sort of status check on your application. Do you know anything about them? Hello, I work in Casino Security (as I did prior to and during my enrollment as a full time student) going to this hainus college was a living nightmare. I just happen to be one of those overly responsible people that went off to the oil fields of North Dakota during the oil boom and raked in a whole bunch of overtime and got my loans paid off by mid-2015. Don’t give up. If they’re Federal, you should look into finding a way to get hired in some kind of Government role that would make you eligible for the Public Service Loan Forgiveness Program. One thing you could do is contact whoever services his loans (the people he sends his monthly payments to), and ask them whether or not his debt qualifies. Betsy DeVos has done a number to the Borrower’s Defense Program. Hi! Upon graduating from my first degree, I was recommended to enroll in another degree which is Networking until I find a job that will utilize what I have just learned from my first degree. I was just so fed up after all that and I never finished. Also is it okay to send multiple applications? Alternatively, you could also try calling whoever services your loan to ask about their processes and your eligibility for forgiveness, deferment, or other relief programs, or calling the free and Official Government-run Federal Student Aid Information Center at 1-800-4-FED-AID. If there was no loan, then I don’t think he’ll qualify for any sort of forgiveness at all. The counselor I spoke with before enrolling mislead what type of job I would be able to get the job placement recommendations were a joke, not positions I would need to spend 30,000 for a degree for! The Defense Against Repayment Letter may have been filled out online – it depends on what he actually did, and you’d have to ask him for specific details on what exactly was done. Keep in mind that even if her legislation is passed, that’ll only protect you from California taxes. I was not even sure about the place at first. If possible could you offer a recommendation? These borrowers will still have to pay Federal taxes on any forgiven debt, but at least we’re seeing steps in the right direction on this issue. You should look into the Borrower’s Defense to Repayment Program and consider filing a BDAR Discharge vs. Everest. Do you know anything? Please advise. In 2016, the Obama administration wrote a … Unfortunately, consolidation can ruin eligibility for all sorts of Federal benefits. Thank you for this blog Mr. Marshall. You could also look at my page on Heald College Loan Forgiveness for some additional thoughts on how to apply for a BDAR Discharge specifically from your school. I don’t know where to go or who to talk to to find out if I actually have to pay this. Sounds like you’ve got a case for a BDAR discharge. We need everyone who’s eligible for the benefit to take advantage of it, and send a clear signal to Congress that the American people aren’t screwing around. This was probably the date that both sides agreed on as offering relief to most of the students who were defrauded, without hurting the banks too badly. I called last week and they said, “It’s still being processed”. To talk to the Private Student Loan Relief Helpline, call 1-866-530-9946. (that is why he was requesting an attorney. How much longer! You need to call the Student Loan Relief Helpline and ask them if they can help you qualify for the Corinthian Colleges Student Loan Forgiveness Program, or if you’ll need to pursue filing a Defense Against Repayment letter to get your loans discharged. However, he still has private loans ($7300) with Balboa and Campus Funding LLC through UAS. Again, my advice on this process is to pay an expert to help you draft the Defense Against Repayment Provision Application Form, handle the submissions and all the paperwork, since it’s your one shot and only hope at receiving complete student loan forgiveness. Take a look at my page on the Everest College Lawsuit and Student Loan Relief Program. During the short time there I made several payments which I was told would be going towards my student loan. Is there a way to get my money back? How can I get help. It’s true that these schools (and a lot of the other for-profits) specifically targeted MILITARY students, as they know they’ll get paid when the loans are funded by the Federal Government, which adds an additional nastiness to the predatory behavior they were committing. I really need some input if there is any solution to problem at hand. The settlement will benefit 41,000 students who were taken aback when Corinthian filed for bankruptcy in 2015 and closed its doors. Google their name to find their phone number. Over half way done with my AA the school closes (Zenith took over?? As long as you can show that they said something they shouldn’t have, then you should qualify for forgiveness benefits too. Heald College. I tried to speak to someone about it they told me I on the hook for the entire amount, and to keep looking I’d find something! I did my classes online. I don’t think you’d qualify for a refund, but I do think it’s worth pursuing anyway since you sound like a squared away person who has the time and inclination to make things happen. That way, the start date for my loan to be repaid will be move back to a later date as long as I am enrolled in any Heald College program. And not going try getting into the training they got there which was a waste of money and time. I review comments on a daily basis and will get you a response in 24 hours! I would say “consult with a local attorney”, but it sounds like you’ve already done that. Approximately half of the 15,000 federal student loan borrowers, representing about $80 million of student loan debt, attended Corinthian Colleges, a large for-profit institution. The promise of making a certain amount of money per hour is definitely a valid argument for Borrower’s Defense Against Repayment. Federal regulators approved more than $132 million in loan forgiveness for more than 8,000 former Corinthian students. Here’s the beauty of the Borrower’s Defense Against Repayment Program – you can use this for any school – not just Corinthian colleges schools – whether or not the school has closed, and whether or not you completed their educational program. I feel I have been defrauded by them and to this day have not been able to obtain a position related to my degree. I would suggest that you try submitting a BDAR request as a long shot, just don’t get your hopes up of having anything happen anytime soon. I have no idea what that is. My brother went to Wyotech and I am the cosigner on all 3 of his loans when I tried to have his loans cleared they said I (he) wasn’t eligible for the forgiveness. I’ve heard back in 2015 there was a class action law suit that some students were going to take up against these private lenders who bought these loans from Corinthian knowing they were going through bankruptcy. The borrower defense rule allows the Secretary of Education to discharge student debt when students were defrauded by their colleges. I did graduate but feel down on continuing my education, which I’ve always wanted to do. I think you will want to followup with the Student Loan Ombudsman Group. Corinthian Colleges, Inc. got hammered by federal enforcement actions during a stretch between 2015 and 2016, including being hit with all sorts of penalties for misleading students about job placement rates and pressuring them into taking out massive student loans. At first, it seemed like the company could pull through and that Corinthian-affiliated schools would continue to operate, but they abruptly announced they were closing the rest of their schools (about 30 more campuses) on April 27th, 2015. Sounds like you’ve got a pretty solid case though – if they promised you that you would never have to spend any money because grants would cover your tuition and expenses, then that promise didn’t come true, then they are screwed and you will be just fine. As you can imagine, he’s a bit irritated he wasted money on something that didn’t live up to it’s promises — and he paid cash up front! I was working as a commercial truck driver. Secretary DeVos and President Trump were resisting approving Borrowers Defense applications since they got hold of the Department of Education, but a Federal Judge ruled in October, 2018 that they needed to get out of the way and start immediately offering the promised discharges. Efforts are underway to stop this, however, and California State Senator Janet Nguyen is leading the charge to try and get rid of the tax liabilities tied to discharged Corinthian loans. I do not make enough to pay on or off my student loan what do I do? This was 2012 through 2013. He’s going to need to go after this on the legal front, otherwise there’s no hope for making any headway. Try posting to http://www.reddit.com/r/studentloans and asking if anyone else has run into the same sort of trouble. Back in 2016 student loans took my full tax refund of about $5000 because I went into default ( due to not working) My question is will I receive a refund for that? Same here. Just discovered this info when trying to get the loans out of default. And Dept of Ed tells me to call loan servicer and loan servicer says they have not idea the wait period. Yes, encouraged! I’m not sure if I have proof that they are looking for to write them a letter. Everyone applies. After withdrawing from the program I was left on the ledger and the school continued to collect grants which were never received by me. See what they say about your specific case, and good luck! If you attended Everest Institute, Everest College, Everest University, Heald College, or Wyotech—collectively known as Corinthian Colleges—you might be eligible for cancellation of your federal student loan debt. I am now stuck with Heald college credits that are worthless and a mountain of student loan debt. Hello, My son when to Wyotech in Blairsville Pa. We received the letter about loan forgiveness due to the fact they did not have job placement. After I gave birth I necame ill had 2 major brain surgeries. Google their name for their contact info. It’ll also reduce a lot of the anxiety involved in this process, anxiety that’s currently gripping millions of Americans hoping that they too will be able to qualify for a Borrowers Defense to Repayment Discharge. 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