Its shameful for these schools to prey on the impoverished who are only trying to achieve a better life. I’m pretty sure that I will pay them off, but shady and wanted to get if off my chest. The University of Phoenix faced claims such as illicit activities against both the students and the federal government. My advisor put me in contact with an ADA Advisor which after talking to him just infuriated me even more. Good luck with everything and please come back to let me know how it goes for you! Would this information help me to qualify. I began talking to people in the field that I was pursuing and was told that getting a job after completion at UOP would be extremely difficult. I follow the steps and takes me to section II where it has only 3 select schools to choose from. And that means that your affordable student loan payments could turn into a totally unaffordable IRS bill, perhaps even as high as tens of thousands of dollars. We were told and confirmed the school was regionally accredited and that our credits/degrees would transfer. In our article, we will guide you through the application process on how to get the University of Phoenix student loan forgiveness. I have my Bachelors degree now, as of July 2018. The thing to do would be looking into the Borrower’s Defense to Repayment Program to see if you could qualify for a BDAR Discharge. You must be on the Corinthian Colleges version of the BDAR Application. In your Borrower Defense claim, you need to prove the school of false advertisements, fake income rates after graduation to get the University of Phoenix student loan forgiveness. I could do health administration, news reporter etc… that wasn’t true. She wasn’t. Honestly though, I think just clearly detailing EXACTLY WHAT WAS SAID TO YOU may be enough, because I’m sure that the same story is being repeated over and over again from other users as well. For Federal Loans – I suggest calling the Student Loan Relief Helpline, who will review your and recommend forgiveness, discharge, consolidation and refinancing opportunities. Joel, This is crazy! I am 55k in debt paying now $515 per month. They told me that hey do guarantee job placement to its students, but there are a wide variety of tools available to all current students and alumni. What I’d do if I were you is contact the Student Loan Ombudsman Group, a group of Government-backed attorneys who provide free legal advice on student loan-related issues, and see what they think is your best route to try and recoup your benefits. So I applied and my financial advisor helped me fill out all my forms for my federal pell loans and federal unsecured loans so all my courses were covered. I don’t think you need specific documentation of the job placement rate, but I’d look for ads, email copy, anything you can find that may speak to that point. My borrower’s app has been pending for a year or so and no reply. I filled out the ppw that day and got an email reply within 24hrs. I have more than 70k owed to them and since the completion of the degree they offered I have not even made enough money to really pay anything back due to the lack of salary to do so. That does not seem right for an AA. Hi Tim (and everyone), Thanks for all the information. Go to the official Government website here. You may qualify for a refund as well. Any school who violates the law with some kind of illegal activity like false promises or fake advertising can be attacked via Borrower’s Defense. Kind of hard to produce since I was there 10 years ago. The lawsuit charged the UOP, as it used delusive recruiting methods, misrepresenting the income and job replacement rates. I have more. both of our time was wasted, not to mention all the money and now at square one because their credits aee worth zero to every single other regionally accredited university out there ! ITT Tech Lawsuit Update: How to Benefit from Debt Relief Options? Luckily, you have the chance to get a forgiveness benefit and a refund as well. My friend who attended a brick and mortar school tried to warn me when I was already deep into the program. Tim, I think you should pursue a BDAR discharge if you have a good story that sounds like it’ll work. I was ignorant to the process. That is illegal. Tim, Not paying your debts is also wrong because you will go for the Borrower Defense process, it may weaken your claim and put your eligibility under question. What a nasty scam this whole student loan business is. I was lied to. I’m thinking you may be eligible for a Borrower’s Defense Discharge because of the promise that turned out to be false. What can I do? Under the Borrower’s Defense law, you’re able to discharge student loans that were taken out to attend a school who committed fraud by doing something, or failing to do something, like misrepresenting their services, or violating some other state law related to your loans or related to the education services that they provided you. This whole thing is very confusing to me. I never visited the enrollment office or anything! In 2019, many students can be qualified for the University of Phoenix student loan forgiveness. University of Phoenix Loan Forgiveness certificate programs can help students to realize important skills and knowledge during a sort of different fields of labor and study. The counselors I dealt with are likely long gone but I do have some paperwork from my time there and possibly some original emails but as for the advertisements I do not have any of that stuff. I completed my associates in It/ networking but had started in my Bachelors of science, I was told that I would could make 50k to 80 k in my field, Also they lead me to believe that I would find a job within 3 months after graduation. I applied in June of 18 and the new link that’s provided in an email I got over the new lawsuit says they received my application in September of 18. so Question Time: We paid for 3 years before my husband took a pay cut at which time we applied for forebearance (pushd by naviant) and then applied for the discharge. How/why should it cost us? Yeah, that promise of 90%+ graduation rate is pretty close to the line of what’s allowed, and may be enough to qualify you for a discharge. My program was only 18 months. Is this what happened to you? I am still a homemaker. Since 2015, the University of Phoenix has been investigated by FTC. I never asked about more loans or never signed any paper work for any other loans. Be as specific as possible! Today I still owe 4 more years on my loans! This is in direct response to a Federal Judge’s ruling that Betsy DeVos needed to terminate all delays in the BDAR approvals process. I think you need to do a better job of explaining what illegal things the school said or did to you in your application, because your story doesn’t come across as very clear. Have you had anyone actually get loan discharged by this? The whole situation sounds very shady to me, but better to get out of UOP before it cost more. The promise of getting a job with the school is a little crazy also, and that could certainly be used too. Every penny out of my pocket. So I’m having the same issue locating the Corinthian link. Obviously through deceptive advertising and lying to the government violated state and federal laws to obtain money fraudulently from the government for a poor product. Now he’s unemployed again, but this time NO ONE with hire him. Would it be best to hire an attorney to help file this paperwork correctly? I would definitely include that! 2011-2015 was when he attended. Also , that they have always been a fully accredited school . In the case of University of Phoenix, it’s pretty clear what you need to do, which is to file a Borrower’s Defense Against Repayment Application stating that UOP defrauded you by convincing you to take out student loans to pay for their higher education programs because they falsely advertised inflated graduation rates and job placement stats. Because the University of Phoenix has been accused of committing all sorts of fraudulent marketing and business activities, including violating both State and Federal laws, by essentially running a huge scam operation to extract money from not just individual Americans, but also the Federal Government and even the Defense Department (via student loans given to military personnel). This lawsuit stems from the same accusations I’ve been tracking here for years, that UOP committed unfair and deceptive marketing practices, giving the impression that the school worked with large national companies to create great job opportunities for students, and tailoring it’s courses and lessons specifically to help students land those jobs. I finished the program in 2009 for my AA in accounting. My takeaway is that the DOE is a complete mess and that this program is really still being put on the back-burner by Betsy DeVos. I was so excited listening to everything he was saying that I didnt realize that 6 years after I stopped attending because my out of pocket expenses for books and other things I needed (including internet) were becoming to much, they took my federal income taxes and I owed even more. even though I have grants and financial aid? I would definitely pursue the BDAR Discharge in your case, it sounds like you may have a slam dunk here! Doesn’t lift a finger to help us get even a decent job. Essentially, you’ll be accusing the school of false advertising, in that you’re saying you wouldn’t have attended the school (and thus never would have borrowed the student loans), had you known that University of Phoenix’s graduation rates and job placement rates were actually much lower than those that they advertised. Right?? UOP is also alleged to have trained enrollment counselors and potential students to falsify loan applications, doing things like lying about having a GED or high school diploma, and that one manager claimed he in “no position to turn away students”, which is totally illegal. I believed them because I was young and naive. I was very taken in by all this talk and all the talk about how well respected and developed their psychology program was for those seriously interested in the field. That’s easy, because there’s only one official place to file your Borrower’s Defense Application, and that’ sat the actual US Government website, here: https://borrowerdischarge.ed.gov/FormWizard/BDU/BDULanding.aspx. Can borrowers whose applications are granted be repaid for loan amounts that were repaid on FFEL loans prior to application? I don’t know how long it’ll take to get a decision but I’ll let you know the outcome. Thanks, Sarah Bowman. To date I am still unable to fully utilize the degree I am being charged for and some employers I have interviewed with have even told me they would need my degree from a different college in order to consider me for the position. My loan payments are due starting next month, and I have over $57k in loans. When I took their bait was 20 and a stay at home mom with 2 babies while my husband was in then military, in 2006. I never recieved a letter in the mail stating I had to pay any amount so when my taxes were taken I started making phone calls and by this time the interest was very high and it killed my credit score. I knew nothing about the fact you could ask for an extension if you thought you’d be late. The counselor convinced him he could get any job he wanted with a Bachelor;s in Business. If the school made false promises and committed fraud against you, then you should submit a BDAR Application. The first MAED program was for curriculum and instruction with NO student teaching practicum and NO teaching certification aspect. Schools are NOT allowed to give you a specific estimate, even a range, for potential income, so I would focus on that in your BDAR Application. You need to be able to claim that they did something ILLEGAL to you, and what you’ve written here does not sound specific enough to me. Yeah, so your loans are automatically put into forbearance the minute DOE receives your BDAR application. I feel like I am still paying those classes now through Navient? One note that gave me pause was in the ‘What To Expect’ section, “Confirmation that you wish to place your current loans in forbearance.”. If you Dom, do you have the proof they used in the application? For now, let’s just all be aware that this is a controversial program, and one that could disappear at any time. My problem is I didn’t take good notes and believed they were doing what was in my best interest!!! Hopefully enough people become aware of the taxable income issue that it gets altered in the future, but for now, almost nobody is even aware of the threat. It took many different calls and attempts to various folks at UOP for one guy to basically make me feel like an awful person to withdraw from classes I couldn’t start. As a teacher with UOP (since 2000) I am very sorry to basically see UOP imploding. You need to keep paying your loans until you receive official notification from the Department of Education that says your loans have been forgiven and that you do not need to continue paying them off. Sent an inquiry to the Attorney General in North Carolina and UOPHX lied that they did not tell me they would help me with job search and that everything that was needed to know was on their website and they even had recruiters that received bonuses to the amount of people they signed up to go to college and they disputed that as well. It’s been 10 years now I’ve never recieved a bill nor is their debt I supposedly owe them on my credit so how do I owe something I was never informed about? If you are a student misled and defrauded by the university, there are closed for-profit school student forgiveness programs, such as Borrower Defense to Repayment to discharge your student loans. That’s one of the best arguments you could make in your Borrower’s Defense to Repayment Application, because there’s all sorts of proof that UOP was doing this (inflating their graduation and employment rates), so it’s something that the Department of Education cannot deny. UOP held half of my disbursement on the pretense if I failed my class, that money would be used to redo the class. Brief information on The University of Phoenix University was established in late 1970 and since that time began increasing its quality, however in 21’s century the reputation of the University of Phoenix was damaged because of the claimed … These bogus loans are the ONLY negative on my credit and I have been fighting them for so long I had almost given up all hope. I am now attempting to apply for Private Practice licensure and found out that the program was not actually long enough. Lol.. You can plug in any domain on the web and look at old versions of their website. The name came about when President Obama reformed part of the Direct Loan program in 2010 by signing the Health Care and Education Reconciliation Act of 2010. They simple just had us fill out paperwork! Also, no, you can’t really join the class action lawsuits. BDAR? My highschool was not valid, my entrance counselor told me to appeal since I had already completed credits. I had one every class . The settlement includes $50 million in cash and $141 million to cancel debt. Let me give you a quick word of advice – the Department of Education is backed up with BDAR applications, and their average response time is literally multiple years now, so sitting around and waiting for them to give you a yes or no may not be your best approach to dealing with your student debt. If you only took out loans to attend University of Phoenix because you thought their advertised graduation and employment rates were accurate, then you deserve to have your loans discharged. The lawsuit charged the UOP, as it used delusive recruiting methods, misrepresenting the income and job replacement rates. My own research I found that this was not they case i would have to have an associates in psychology in order to do what I wanted to do so I called them back after completing a semester in social services they told me I was given the wrong info I had to change my. If you were guaranteed job placement, that is an illegal activity on the behalf of the school, and clearly explaining what they promised should qualify you for a debt discharge. This was the only reason I chose UoP. I don’t understand why if I was approved for student loans that I would be required to pay now for the one class. So either take me to court or cease the collection attempts. Does the UOP School of Advanced Study (SAS) qualify for this? I’m sorry, but I can’t really help with technical issues. The faculty that I have known (and still work with) are very talented and dedicated to their students. After a week of silence from UOP I called tonight to withdraw. So naturally, I was sold. I think if you can prove that someone told you you were only supposed to be charged as much as an Associate’s Degree, then you may have a case here. I was fed all the lies that others were as well. I can’t point you to anything specific, but I bet you can find something that’ll work. I filled it out and sent in my high school transcripts as proof but it was denied because I had stated on my FAFSA that I did graduate high school. The Federal Government has been cracking down on Forgiveness Scams recently, but there are still thousands of people out there attempting to milk money from desperate student loan borrowers, so you need to be extremely careful about getting anyone’s help with your loans, or with the Borrower’s Defense application. Not only was I told the graduation and job placement rate was over 90%. I actually had over 100 credits when I came there already and they still made me do over 70 more. Even if President Trump does decide to shut it down, if your application was submitted before it goes dark, there’s a good chance you’ll be grandfathered into the program and still eligible for the discharge. I was one semester away from finishing and my financial counselor conveniently overlooked an important document that I was supposed to sign electronically. I Narrowed it down to 3. Insisted he prefered face to face communication to be sure he’s being understood. thanks Don. The minute the instructor informed me, I attached the correct paper and he said it looked perfect. Can I still submit my application to dismiss my loans? What EXACTLY was said about being able to get a job with a Certificate? It all hinges on your ability to convince whoever at DOE reviews your application – remember, you’re writing this for a human being, but it’s a legal process, so you need to be SUPER SPECIFIC about exactly what was done to you and how it impacted you! The direct link to what? These don’t sound like fraud claims. I was told if I signed up for the Criminal Justice Bachelor’s program in 2013 that I would be getting a special rate of only having to pay for an Associates Degree. It effected my grades. Has university of Phoenix always been fully accredited and will any of these things qualify me for the borrowers defense? If you are still not eligible, it is better to give up on ideas like forgiveness and try to make your debt more manageable. I had applied and was approved for student loans and pell grants, so I tried to change my major and got the runaround about changing my major and the effects on my student loans. They couldn’t help me with a tutor or anything. 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Make their payments every month same issue contacting UOP when I couldn ’ t believe the government ’! Applied he was still working the debt and she answered, you have to pay for faculty at UOP not... Others were as well received my MBA and racked up around $ 65k in student loans when... Fees or some other kind of stuff that works for BDAR signature ” suspension was over 90 % which! That information from you then to receive a small amount extra for help with entirely! Tracking Service the section 2 where I read this but it was disheartening at time!

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