LOAN DISCHARGE APPLICATION: FALSE CERTIFICATION (ABILITY TO BENEFIT) William D. Ford Federal Direct Loan (Direct Loan) Program Federal Family Education Loan (FFEL) Program OMB No. I did all of this over the phone as I didn’t even own a computer. I was/am one of a rare group evidentially that made my way through to receiving my 4 year degree without borrowing any money. When I attended Kaplan, I failed one class, but did not need to pay anything extra in, my student loans took care of this. What are your thoughts regarding loan repayment and/or consolidation in the situation where someone wants to file a Borrower’s Defense Against Repayment application, but had taken out FFEL loans rather than Direct loans to attend UoP? You may qualify for a refund as well. After several months I found a job on my own, not in my degree field and continued with UOP for my bachelors degree. Thanks for your comment and sorry you’re having such a bad time with them. And then they didn’t put in like a certificate and thanks for the extra training I had and They didn’t apply a lot of my undergraduate credits – which made me take a longer process than needed. I’m hoping we would have a case here …. Please help. Told i could get a license as a social worker. Right now, with Betsy DeVos at the helm, I think it’s a risky proposition. In 2019, many students can be qualified for the University of Phoenix student loan forgiveness. Promises about hitting a certain salary, or even that income itself would soar, are definitely illegal, and the promise to find a job in your field within a set period of time, or telling you that some percentage of other graduates were able to do, is equally illegal. One note that gave me pause was in the ‘What To Expect’ section, “Confirmation that you wish to place your current loans in forbearance.”. 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 ! The class-action lawsuit is the result. Is this what happened to you? I’ve tried. Thanks, Sarah Bowman. I have an email sent on behalf of the President of UOP which states that students with a bachelor’s degree from UOP “reported that they earned an average salary increase of 6.8 percent during the course of their degree program,” among other stats. Over 90% of Americans qualify for one or more Federal Income-Based Direct Loan Forgiveness program – get back in good standing with a low payment and back-end forgiveness on your Federal student loans. At the time, I did not think anything of it because I wanted to complete classes on time so that I could graduate on time. I would review your materials and see if you can come up with something stronger. They literally are holding my transcripts hostage and wont allow me to go back to school. They stated since I had withdrawn from the classes I was taking that I needed to pay a fee of $750 in order to obtain the “official” version for any future college credits to be effective at another college. Good for sticking to your guns and DO NOT pay them a cent unless they can prove you owe them something IN COURT. Their promise of “career path” growth is open-ended… not really specific enough to be a “lie” or “fraud”. Now with a MA tha cost over 60K I applied for relief 11/2017 and explained how they promised that my income would soar as well as my prospects for jobs would as well. This post will explain how you can use the Borrower’s Defense Against Repayment Program to cash in on University of Phoenix student loan forgiveness benefits, wiping out your UOP student loan debt for good, and potentially even getting a refund for any money you’ve already paid UOP or their parent company, the Apollo Education Group. I have bipolar and had difficulty with completing a couple of assignments in on class in time. I went to The University Of Phoenix from 2005 to 2007. The FTC did advise to contact ones student loan provider, also contact Internal Department of Education to file a Borrowers Defense Claims. Having your loan on Administrative Forbearance could be a good thing, or a bad one. The class I took was a little time consuming, but not was way to easy and I wasn’t really learning much. It’s worth spending an hour or two on this because it’ll really help your case! ONLY loans directly owed to the University of Phoenix are eligible for this particular round of forgiveness, but ALL Federal student loans are eligible for discharges under the Borrower’s Defense to Repayment Program. I graduated with my BS and MS in 2004 oweing $69,000. If you want to benefit from the Borrowers’ Defense, the most important factor is proving the school’s misconduct. I’m curious if they defrauded me! I don’t want to pay more, but I also can’t afford to. Today I still owe 4 more years on my loans! To apply for student loan forgiveness through Borrower Defense to Repayment, you need to fill out the application form. University of Phoenix violated the 90/10 rule by urging employees to tell the Federal Government that they were paying full tuition rates, which allowed them to receive tens of thousands of dollars in Federal financial aid, even though the employees weren’t actually using the money for classes. For Federal Loans – I suggest calling the Student Loan Relief Helpline, who will review your and recommend forgiveness, discharge, consolidation and refinancing opportunities. I’m talking about explaining where you were when you were promised something illegal, who told it to you (name and position), what date, day and time of day it was, EXACTLY what was said, and specifically how it impacted your decision on borrowing more money. 49k in student loan debt for an associates degree in web design. More specifically, you must have been enrolled during or within 120 days of the school closing. Tim, thanks for having a forum for some questions. Things get tricky when you used GI Bill benefits to pay for the costs of the program, but it’s still possible that you can apply for a BDAR discharge. NEWS ALERT: On December 11th, 2019 an absolutely massive settlement between University of Phoenix and the Federal Trade Commission was finally settled, under which UOP agreed to provide $141 million in student loan forgiveness benefits to former students still on the hook with outstanding Federal student debt. Now, I cannot enroll in any college without my UOP transcript that they refuse to release for the mere 6 credits I earned in that short period! I have my Bachelors degree now, as of July 2018. Getting it all filled out correctly and writing up a compelling narrative about how you were defrauded is what’s going to determine whether or not you get approved, but it sounds like you’ve got a great shot so good luck! But now the debt burden is massive: $35.5 billion in outstanding student loans, according to Brookings — more than double that of any other school on this list.” So not only has UOP done real, real well with student loans so have (and continue to) the lenders with all the interest they make. 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. If that doesn’t work, then you should speak to an Attorney about your options for the credit and licensing issues, and you should also try to file a BDAR Discharge Application to get rid of the student debt. If you never had any loans at all, you’ll almost certainly not qualify for any of these sorts of discharge or forgiveness programs, as they’re created specifically for people with student debt. No, there’s no deadline. I graduated with a BS Criminal Justice (2003-2006) and chose UOPX because I was living in England and a military spouse/Air FOrce reservists and was the only way I could use by GI Bill benefits before it expired (1996-2006). Good luck with everything and please come back to let me know how it goes for you! Like clockwork, every time I needed to register for classes, my financial advisor would contact me and have me apply for my federal loans. Right?? If you’re permanently disabled then you need to look into the Total and Permanent Disability Discharge Program. Many people have reported waiting over two years to hear back on their BDAR applications. My original degree was criminal justice with a concentration on human services. I am now attempting to apply for Private Practice licensure and found out that the program was not actually long enough. If you really want to pore through details about just how bad University of Phoenix and the Apollo Education Group are, then visit their page on the forprofitu.org website, here. How would that work? I enrolled in UoP in 2009. After this student loan class-action lawsuit, the University of Phoenix settled $10 million by ED. They made great and grand promises about what would happen after graduation and how the student loans worked. can I edit the application? This resulted in my tuition almost tripling. And they wanted to change my major to liberal arts. I transferred from University of Everest to University of Phoenix based on the sales pitch so to speak from the UOP recruiter. Try using the Internet Archives Wayback Machine to look at older versions of the school’s website, from around the time you were thinking about applying/enrolling, and see if you can find examples of misleading marketing statements there. That’s why you need to take this opportunity seriously, and get your application submitted ASAP! I was fed all the lies that others were as well. It was disheartening at the time and horrific seeing the TRUE numeric data now! Even if you can’t take advantage of the Borrower’s Defense to Repayment Program, or the UOP forgiveness benefits that have been approved to date, the good news is that there are all sorts of existing benefits programs available to people with Federal student debt. With a k-12 special education teaching certificate I can teach any subject to my special education students. Though the University of Phoenix loan forgiveness is a great opportunity, it is not available to all borrowers. I was paying off my Federal loans as scheduled but then I had to go on disability and didn’t have as much disposable income as before and fell behind. Why? Thanks for coming back to let me know it helped and I’ll keep my fingers crossed for you! What is the deadline to apply for the University of Phoenix forgiveness? Tiffany Douglass, MA, Dr. H.C. You don’t really need details on a specific case that succeeded; you should just pursue the BDAR Discharge and explain exactly why you qualify for it. The way the University of Phoenix got around this rule is that they did all sorts of illegal activity, like forcefully encouraging their own employees to sign up for UOP classes, which were provided for free, and which allowed them to inflate their graduation rates and job placement rates. This did take up 3 full years of my life and many nights of not sleeping. Hi! That means you’ll have to pay income taxes on however much debt is discharged, which could mean you’re going to end up owing a lot of money to the IRS. I would probably focus on whatever was stated in terms of good graduation rates, return on investment, etc. I received My Federal Student Loan back in 1996! There’s a very good chance that you may qualify for one just based on what you explained here. Join the conversation by posting a comment. Do you have any thoughts or advice for me? Pay close attention to your email if you already submitted a BDAR request, and make sure to get your application in NOW if you have’t already sent it through! The University of Phoenix (UOPX or UOP) is a for-profit university headquartered in Phoenix, Arizona.Founded in 1976, the school confers certificates and degrees in over 100 certificate programs and degree programs at the certificate, associate, bachelor's, master's, and doctoral degree levels. Kind of hard to produce since I was there 10 years ago. Every penny out of my pocket. Keep in mind that while your application is being reviewed, you do not need to stop paying your student loan debts. My loan payments are due starting next month, and I have over $57k in loans. You would need to actually find out what the AA costs compared to the Bachelors, and see if there is truly a difference. Schools are NOT allowed to talk about those percentage rates without having proof to back them up, and a lot of the for-profits are being sued for this very activity. Weird – this is the first time I’ve been getting reports about the links not appearing properly. In fact, UOP even told their employees who took out this aid that it was one of the benefits to being an employee of the company, and that they should think of the funds as a “bonus”. Which was a lie. You may even be able to Google around to find pieces of evidence others have collected and are sharing. Because of this, I never finished my degree. I was shocked when it showed up on my credit report. I cannot get this monkey off my back. I was told I qualified for special grants for low-income, single parents. The promise of finding a job within 3 months after graduating is good too, so be sure to include that as well. Get your payment quote today! As the Department of Education announced, borrowers may get partial loan forgiveness, depending on their income. Both my husband and I got our AA from uofp in 2013. Even dropping by the school found a locked door, or an “I have appointments all day”. They actually filled out my FAFSA for me. Under the settlement between the FTC and the University of Phoenix, the University will cancel $141 million in debts that are owed directly to the school by people who first enrolled at the school between October 1, 2012 and December 31, 2016.. What did they say, exactly, about job opportunities available to graduates? In Dec of 2018 I emailed to see if there was an update and did receive an email back stating this of Ed. It was during that time that I realized that that school was full of you know what and I was stuck with a lot of student debt. such as Borrower Defense to Repayment allows the borrowers to eliminate their student loans. Hi. I paid off all of my tuition fees and loans. 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. Lol.. Try searching Google for some creative things and you may be able to surface some of their older stuff. Like I said I know I dont qualify but wanted to get my story out there. Is there anything I can do about that? Common Law Forgery Discharge. The easiest way to figure this out would be to call your loan servicer (Nelnet) and ask them directly. I actually had over 100 credits when I came there already and they still made me do over 70 more. Do you think that email would help support my claim? 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. Is there a way I can get a full refund of everything that I paid to the University of Phoenix? I can’t do nothing with my degree most employers from at the school UOP as if I didn’t have any education. The person I talked to when I signed up said they had some sort of incentive going on that had bachelors and associates degrees costing the same. 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 am using the link you provided in the article for the BDF application. Any recommendations?????? 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