How to Qualify for a Student Loan Discharge or Refund from Corinthian Colleges
NEWS ALERT: On Thursday, December 13th 2018 the Department of Education announced that they’re approving $150,000,000 in Borrower’s Defense to Repayment Discharges, and setting aside about half of that money to students from Corinthian Colleges schools (Everest, Heald, and Wyotech).
If you’ve already submitted your BDAR application, then there’s a great chance you’ll receive forgiveness during this wave of approvals, so be sure to monitor your email closely, as DOE started issuing alerts notifying borrowers of approvals on Friday December 14th.
And if you haven’t already submitted your Borrowers Defense application, then I’d suggest getting it in TODAY so that you stand a chance of being included in this round of approvals!
In 2019, the Corinthian Colleges Student Loan Forgiveness Program has finally kicked into high gear, because Betsy DeVos’s attempts to stall BDAR discharges is officially over.
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.
The Corinthian Colleges Student Loan Forgiveness Program is now back to offering forgiveness for any student loans that were taken out to pay for tuition and fees at a Corinthian-affiliated school, including:
- Everest College
- Heald College
- WyoTech (Wyoming Technical Institute)
Where did this program come from? 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.
This post outlines the details of the plan, walking you through each step in the process of determining whether or not you qualify for the benefit, as well as explaining how to complete the application process for claiming your benefits.
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Why Are Corinthian Loans Being Forgiven?
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.
As a result of those enforcement actions and a slowdown in new student signups, Corinthian Colleges was in a world of financial trouble and ended up having to sell off a bunch of its schools to Zenith Education Group.
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.
What Happened to the Students?
With many thousands of students still enrolled in Corinthian-affiliated programs, and many of them saddled with enormous student loans, a financial crisis was sure to ensue.
First came the protests, including the Corinthian 15 strikers group, who publicly pledged to refuse to pay back their Corinthian-affiliated student loan debt.
Next came tons of media attention and further pressure to offer some form of real financial assistance to anyone impacted by the school closures.
And finally, there was a happy ending to the story, when on June 8th, 2015, the Department of Education announced that they would support many of the students who got caught up in Corinthian’s collapse.
This promise became the plan for the Corinthian Colleges Student Loan Forgiveness Program, which is currently not only one of the best Federal Student Loan Forgiveness Programs on offer, but also covers Private Student Loan Forgiveness as well.
In fact, virtually all students caught up in the closure of Corinthian schools will qualify for at least some form of financial assistance, with some borrowers receiving a literal 100% loan discharge, and even refunds for payments they’d previously made.
How Does Corinthian Colleges Debt Forgiveness Work?
The rules are pretty simple. To qualify for Corinthian colleges loan forgiveness benefits, you must satisfy one of the two following eligibility conditions:
- Two Types of Corinthian Forgiveness Benefits
- Closed School Relief – You qualify for the Closed School Student Loan Relief Program if you attended one of the Corinthian schools that closed on April 27th, 2015
- Defrauded Student Relief – You qualify for the Defrauded Student Relief Program (the Borrowers Defense Against Repayment Program) if you were defrauded (lied to, scammed, etc.) by a Corinthian school that you went to, or you believe that the school violated state laws (whether or not it was shut down)
The good news is that virtually everybody who attended a Corinthian school in the past several years is going to qualify for one of the above programs.
The bad news is that only the first program makes it easy to qualify for loan forgiveness, because the second program requires some complicated legal writing, and a detailed application process.
Closed School Relief
The first way to qualify for Corinthian forgiveness benefits is via the Closed School Relief program, which is about as cut-and-dry as it gets; if you went to one of the Corinthian schools that was shut on April 27th, the you’re going to qualify for forgiveness.
That makes this one of the simplest, easiest, best student loan debt forgiveness programs on the market, since it doesn’t require a ton of background work, consulting fees from attorneys or student loan experts, or much actual time spend researching and writing up explanations of what happened to you.
If you were a student at a Corinthian school when the school shut down, then you’ll qualify for having your loans discharged. Pretty awesome right?
I’ll explain the details to how it works below.
Defrauded Student Relief
The more complicated path to forgiveness is the second program listed above, called the Defrauded Student Relief program, which is far more nuanced, since it requires proving to the Federal Government that Corinthian Colleges lied to you, essentially doing false advertising, in order to get you to sign up for one of their programs.
Maybe Corinthian promised that you’d be able to get a great job, pay back your student loans quickly, or make a huge salary by investing time and money into their education program? Maybe they promised something else that they didn’t deliver on? As long as you can show that they said something they shouldn’t have, then you should qualify for forgiveness benefits too.
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.
Scroll down to the section below called Defrauded Student Relief for advice on how to prepare your letter and qualify for this forgiveness benefit.
Two Options for Dealing with the Corinthian Closure
Keep in mind that you don’t have to pursue a student loan debt discharge if you attended Corinthian Colleges and you want to retain the credits you earned while in school with them.
It is possible to instead apply to have your credits transferred to another University, which lets you retain whatever credits you’ve previously earned, but which will also require you to keep paying back the student loans you took out to pay for those credits.
The reality of the situation is that you’ve got two options for dealing with the Corinthian closures, which are:
- You can apply for a Closed School Student Loan Discharge
- You can transfer the credits you earned to another college or university and continue your higher education pursuit in a similar program
If you choose to take the Closed School Discharge route, then you’ll be eligible to receive up to 100% forgiveness for any federal Direct Loans, FFEL Program Loans or Federal Perkins Loans that you took to attend the school.
But that’s not all, because not only will you get the rest of your remaining student loan debt wiped out, but you’ll also receive reimbursement for whatever amount of money you’ve already paid the Federal Government on these loans.
What Should You Do?
Personally, my suggestion is to take the relief benefit, especially if you think you’ll ever have trouble paying back the student loans you borrowed.
There’s a couple caveats to the way that Closed School Discharges work though, so you’ll need to keep the following in mind. You won’t be able to qualify for the Corinthian Colleges Closed School Discharge Program if:
- You finished your program at a Corinthian school
- You already transferred your Corinthian credits to another school in a similar program
- You were not attending the school when it closed, or you withdrew from Corinthian before June 20th, 2014
Which Corinthian Schools Closed on April 27th, 2015?
Here’s a list of the schools that shut down on April 27th, 2015:
|Everest College||Alhambra, CA|
|Everest College||Anaheim, CA|
|Everest College||Gardena, CA|
|Everest College||Ontario, CA (1460 S. Milliken Ave)|
|Everest College||San Bernardino, CA|
|Everest College||Santa Ana, CA|
|Everest College||Ontario, CA (1819 South Excise Ave)|
|Everest College||Rochester, NY|
|Everest College||Reseda, CA|
|Everest College||Phoenix, AZ|
|Everest College||Mesa, AZ|
|Everest College||Torrance, CA|
|Heald College||San Francisco, CA|
|Heald College - Honolulu||Honolulu, HI|
|Heald College||Portland, OR|
|Heald College - Kaneoche MCB||Kaneohe, HI|
|Heald College - Concord||Concord, CA|
|Heald College - Milpitas||Milpitas, CA|
|Heald College - Hayward||Hayward, CA|
|Heald College - Modesto||Salida, CA|
|Heald College - Roseville||Roseville, CA|
|Heald College - Salinas||Salinas, CA|
|Heald College - Stockton||Stockton, CA|
|Heald College - Rancho Cordova||Rancho Cordova, CA|
|Heald College - Fresno||Fresno, CA (255 West Bullard)|
|Heald College - Fresno Satellite||Fresno, CA (255 East River Park Circle)|
|WyoTech||Long Beach, CA|
|WyoTech||Los Angeles, CA|
|WyoTech||City of Industry, CA|
Again, it’s pretty simple. If you were a student at any of the schools listed above on or after June 20th, 2014, then you’re going to qualify for the Corinthian Closed School Discharge Program.
How to Apply for a Corinthian Colleges Closed School Relief Discharge?
That’s the easy part. Do one of the following:
- Download and fill out the Closed School Loan Discharge Application form, then return it to whoever is servicing your loan (whoever you send monthly payments to)
- Contact whoever is servicing your loan and ask them what you need to do. Tell them that you know you qualify for the Closed School Relief discharge, and they will be legally obligated to walk you through the application process
If you aren’t sure who your loan servicer is, then to to the My Federal Student Aid website and login. This system will tell you. Or, call 1-800-4-FED-AID.
This is an awesome opportunity for anyone who went to a Corinthian school during this time period, but didn’t finish their program and who isn’t interested in continuing on at another school.
If you fall into that category of people, then you’d better take action now, because there’s not way to be certain that President Trump’s impending student loan reforms won’t wipe out these benefits entirely.
Defrauded Student Relief
This is a much more complicated process than the Closed School Relief benefit, since it will require some legal work on your behalf.
To qualify for the Defrauded Student Relief benefit, you’re going to have to use something called the “Borrower Defense to Repayment” provision, which is complicated, but here’s how it works:
The Borrower’s Defense Against Repayment provision allows you to discharge student loans if you can prove that the school committed fraud by either doing something or failing to do something that violated state or Federal laws, and that this violation is somehow related to your loans or the educational services you took loans out to finance.
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.
That means that you can get out of student loan debt, at no cost to yourself, by proving that the school defrauded you in some way, and that your student loans should thus be voided and entirely discharged.
The DOE Response to a Flood of Borrowers Defense Against Repayment Letters
Because the Department of Education thinks there will be so many people trying to do this, they’ve made it easier than ever before to get loans discharged under the Defense Against Repayment Provision.
To apply for the benefit, the Department of Education initially required that people send an email or a letter including all of the following items (at a minimum – the more detail you provide, the better):
- Things to Include In Your Defense Against Repayment Letter
- State, in writing, that you “wish to assert a borrower defense to repayment based on state law
- Your first, middle and last name
- Your date of birth
- The last 4 digits of your Social Security number
- Your home address
- Your telephone number
- Your email address
- The name and location (address) of the school you attended
- The name of the program of study you were attending (basically your major)
- The degree, certificate, or other credential that you earned, or were seeking (Masters in XXX, Certificate of XXX, Bachelors in XXX, etc.)
- Your dates of enrollment at the school
- Documentation confirming your school, program of study and dates of enrollment (use transcripts or registration documents)
- Details about how the school defrauded you, including things like: the state and applicable law or cause of action, specific acts of alleged misconduct, how the alleged misconduct affected your decision to attend the school and take out loans to pay for the costs, the injury you’ve suffered as a result of the school’s misconduct, any other information that will help your cause
But I’ve got good news, because you don’t have to write this letter from scratch anymore, since the Department of Education has finally released their official Borrowers Defense Against Repayment Online Application Form, which you can find here.
As you’re filling this application out, you’ll find that almost everything is pretty straightforward, except the part that asked you to detail how the school defrauded you.
This is where the rubber meets the road, and where many people turn to attorneys or student loan debt relief agencies for help, since your explanation needs to be air-tight in order to ensure that you’ll receive the discharge you’re applying for.
What you need to do in this part of the process is explain how the school broke the law in order to convince you to sign up for their higher education program.
If they promised anything about guaranteed income or employment, then you can probably use that. For example, if they said you’d earn more money after graduating, they’re screwed.
If they said you would be able to find a management position, they’re screwed. It’s things like that – promises of employment or income – that get the schools in hot water.
Should I Hire Someone To Help Prepare My Borrowers Defense Application?
Why? 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.
Compared to hiring an agency to help with the application, which should only cost a couple hundred dollars, you’re bound to save far more by ensuring everything is filled out correctly, and getting those loans discharged two years earlier than you may have by handling it yourself!
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.
While you do have to pay them for this service, the cost is minimal compared to the prospect of paying off the entirety of your student loans, especially if you consider that cost as an investment in ensuring that you get your Borrowers Defense Against Repayment Letter approved.
Your first call to the Student Loan Relief Helpline is free, and you will not need to pay them anything until you agree to have them start working on your behalf, so all you’ve got to lose by calling is a couple minutes of your time.
To reach the Student Loan Relief Helpline, call 1-888-906-3065.
What Happens After My Borrowers Defense Against Repayment Letter Is Received?
After the Department of Education gets your letter, they’ll place your student loans in forbearance and collections activity will cease on any defaulted loans you might have while they investigate your claim.
Keep in mind though that interest will continue to accumulate on your loan while they investigate your claim, so if you end up not getting the discharge, this could be costly.
One thing you need to look for is a response email from firstname.lastname@example.org which says “Borrower Defense Claim” in the Subject Line, as this is the way that the Department of Education will respond to your form submission.
If that letter says that you’re all set to receive either a full or partial approval of your Borrowers Defense to Repayment Application, then you will know that you’ve been marked to get your loans discharged entirely.
But don’t start the party just yet, because things won’t be finalized until you receive a followup email from the Department of Education, or from your Federal Student Loan Servicer, which clearly states that your loan has been discharged.
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.
Spending a few hundred dollars now to ensure that you save tens of thousands of dollars on student loans later is just good economics.
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.
Will I Owe Taxes on Forgiven Debt?
At the time of this writing, the Corinthian Debt Forgiveness Program still requires that any student loan debt forgiven will end up leading to tax liabilities for the borrower.
That means, whatever amount of money you have forgiven via the program has to be listed on your state and Federal tax returns as ‘income’, and you’ll be taxed accordingly.
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.
You’ll need to determine just how much you’re going to end up owing in both Federal and State taxes before deciding if a Corinthian discharge is truly the best option for you.
For specific details on how the tax implications work, please visit my page on Student Loan Forgiveness Benefits and Taxable Income.
If you’re worried about the tax implications, consider also visiting my new site, Forget Tax Debt, where I cover IRS tax-related problems in exhaustive detail, walking you through processes like Applying for IRS Tax Forgiveness, Signing Up for the IRS Fresh Start Program, and Avoiding IRS Tax Scams.
Tax Reform Could Be Coming Soon…
One bright note about taxable income and Corinthian forgiveness is that in California, State Senator Janet Nguyen’s resolution to “Eliminate Tax Liability on Forgiven Corinthian College Student Loan Debt” appears to have been unanimously passed.
Once fully enacted into law, this bill will protect California borrowers from having any State tax liabilities from forgiven Corinthian Colleges student loan debt.
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.
Will I Have to Pay Accrued Interest on Forgiven Debt?
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.
If your claim is accepted and your Corinthian debt gets forgiven, then the interest which accrued on your loan will be forgiven, along with the principal balance.
Just make sure that you continue making payments on your debt (at least enough to cover the interest accrual) while your claim is being evaluated, and you shouldn’t end up in any trouble.
Did You Go To Heald?
I’ve got great news for Heald students!
The Department of Education basically hates Heald College, because they determined that Heald lied about job placement rates for many of its degree programs between 2010 and 2014.
If you were enrolled in any of the Heald College programs listed here, and you want to apply for the defense to repayment discharge, then you don’t have to write the huge defense against repayment letter outlined above, but can simply do this:
- Download or print out this Attestation Form
- Fill it out, sign it, then send it to the Department of Education with the attachments that it requires
- When you send it in, you can do it via email to FSAOperations@ed.gov, or by snail mail to Department of Education, PO Box 194407, San Francisco, CA 94119
Questions About Defense Against Repayment
If you’ve got questions about how the whole Defense Against Repayment thing works, then you can call the Government’s Borrower Defense Hotline at (855) 279-6207.
They’re available to walk you through the process Monday to Friday, 8:00 am to 8:00 pm EST.
You can also try contacting the Student Loan Ombudsman Group, or leaving a comment at the bottom of this page.
Other Questions About Corinthian Debt Relief?
If you have other questions about the Corinthian debt relief program, then check out the Federal Government’s official FAQ page on the program, here.
Still Have Questions?
This website is full of Guides covering every part of the student loan debt repayment process, so please make sure to visit other pages for details on how to deal with your loans.
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.
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.
And if you still have other questions, feel free to leave them in the comments section below. I review comments on a daily basis and will get you a response in 24 hours!
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.
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Disclaimer:Information obtained from Forget Student Loan Debt is for educational purposes only. You should consult a licensed financial professional before making any financial decisions. This site receives some compensation through affiliate relationships. This site is not endorsed or affiliated with the U.S. Department of Education.
I just wanted to state that your Attestation Form hyperlink does not work. Is there another hyperlink you have for this form or maybe something similar? Also is it okay to send multiple applications? Oh and by the way, I appreciate all of the information on Heald college and the help we need to get to rid of this ludicrous debt that this school had convinced us to take on.
I just updated the link, and you can find the current form here: https://borrowerdischarge.ed.gov/s/?language=en_US
I attended American Intercontinental University in FL. The school has recently shut down however not during the time I attended. I attended in 2003 for about 4 months. I was offered immediate job placement assistance after completing my enrollment. I was also deceived on the type of loan that I was taking out. During the short time there I made several payments which I was told would be going towards my student loan. After withdrawing from the program I was left on the ledger and the school continued to collect grants which were never received by me. I didn’t discover this until several years later while I struggled to pay over 10k in student loans for only attending 4 months in school. My loans went into default and my taxes were even garnished. However I never saw a penny of that go towards my student loans.
Sounds like you’ve got a case for a BDAR discharge. I’d pursue it!
Hi, my name is Elena, I attended Everest Colle in 2011, major Medical assistant, i was wondering if there is any loan forgiveness. please let me know. thank you
Take a look at my page on the Everest College Lawsuit and Student Loan Relief Program.
I Attended the Hayward Heald campus, during 1990-1991. My field of study was to become a Computer Technician. Graduated as an A student, at the end of 1991. I was promised life-time privileges to come back to refresh, use the job placement service that they were using as an enticement to secure enrollees, along the 85%-90% job placement that they were alleging that they were doing , at that time. Also that recruiters would be coming to the campus, to interview potential hires, during the last six-months of enrollment. To summarize, all proved to be lies. No interviews,, no recruiters, no placements, and nothing else that they promised, except an eleven thousand dollar student loan debt that I paid on throughout the rest of that decade, and through the new millennium, until .the E.D stopped garnishing my wages. I was working as a commercial truck driver. I never did get the job in Silicon Valley, that I was told that they could place me in, upon graduation Now, as of 01/01/2019, the Department of Education had started garnishing again. After fifteen years. Only this time, they are garnishing my Social Security pension, and my Veteran’s Disability payments. How do I file the Relief petition? Please advise. To date, I have paid over Forty thousand dollars, for an eleven thousand student loan.
The claim about 85-90% job placement rate is a big deal. That’s basically fraud, and tons of these schools have been getting blasted for making similar statements. I would look into the Borrower’s Defense to Repayment Program if I were you.
I applied over a year ago, haven’t had any response. And Dept of Ed tells me to call loan servicer and loan servicer says they have not idea the wait period.
This is normal. I’ve heard of people waiting two+ years at this point for a response from the DOE. Betsy DeVos has done a number to the Borrower’s Defense Program.
My name is Rita Zatko(Kahler). I am a former student of Corinthian College (The name was Las Vegas College-Henderson Campus, now called Everest College-Henderson ) from 2007-2009 in Henderson, Nevada.
The following is what I experienced at this college…
* Extreme urgency to enroll at that time
* Demand for Paralegals was Huge (so they said)
* I was told I would be in an internship and have gainful employment within 3 months of graduating
* In classes, Instructors would announce job openings available to students — only if we had already taken certain classes –that was the “criteria for eligibility” for the job or internship
* All questions I had, in any form, in relation to jobs, financial aid, funds for living expenses, etc. were shoved aside BUT, there was no issue when I was called out of classes to sign more loan papers -if I refused, I was not allowed to return to class until I signed the loan papers. (I have a few notes I kept).
* On my Student Ledger it shows I tranfered programs (Paralegal SA to Paralegal AS) which is a lie. I have no paperwork with Paralegal SA on it. And it also shows a cash balance transfer of $7,477 ???? I have no idea what that is.
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.
In the US, we are blessed to be ” The Land of the Free, And The Home of the Brave “and to have ( or assume to have) a government “For the People, By the People” but again the actions, or lack thereof in regards to former students like myself, have had our lives destroyed severely –emotionally and financially. In fact it’s proven to be their mistake.
I want to thank you for the notice on your website regarding relief for Corinthian students . The timeline is a bit off though. I was a victim from 2007 to 2009 and still suffering from the acts of this college. Hopefully it goes back prior 2010 because they were doing the fraudulent acts in 2007.
I have submitted a borrower’s defense with proof on every question they asked.
I’m glad you submitted a BDAR request because I think they did something illegal when they promised that you were get an internship and “have gainful employment within 3 months of graduating”. Schools are not allowed to make promises like that!
Thank you. This has been devastating to say the least. My question now is how to get refunded back to me the tax returns taken from me to pay these fraud loans. Any advise will help.
It’s VERY difficult to get back any money that was already spent. I would contact the Student Loan Ombudsman Group to ask if they can help. This is a group of attorneys that the Federal Government backs, and who offer free legal advice on student loan-related issues. See what they say about your specific case, and good luck!
Yeah same here who tech was trading students when I started in March 2010 and failied first go around thru July 2010 but application only recognizes enrolled from Aug or Sept 2010 so my second go around that I had to retake. Same course over again who tech staff told me if I didn’t sign the same new loan application documents again I couldn’t start classes and after arguing with financial department stating I already have plans in place in a returning student I failed the first course.I was threatend my name would not be included in the class roaster of students.I didn’t find out who tech used my signature fraudulently to take out more loans out in my name fraudulently& of course I thought oh the education department will protect me that’s there job so I thought .what a joke and a joke on top of that.tax payers money is waisted to fund a waisted program that doesn’t do as the government alleged it was put in place to do protect students.just many more lies from our government and state elected officials who are suppost to work for us .yeah right.there pocketing &cooking the books where’s all the funding money going to them?
I enrolled at Heald College in 2009 and did so because the counselor (recruiter) told me that they in Fresno they had so many companies lined up waiting for there IT graduates that I would get a job as soon I graduated. As I was going through the courses it became clear to me that the education I was paying top dollar for was not what it promised. The teachers were providing answers to questions on the tests. The students were using computers to get answers for closed book exams. I decided to drop out of Heald and go to the city college it took of congress to get released from Heald. I had to take a discharge paper to different departments and get them to sign off on my discharge. I met with a city college counselor and she told me none of my Heald college credits transferred. The counselor at Heald told me that since they were accredited by the same agency as Fresno city and State all my course credits would transfer if I wanted to get a four year degree. I am now stuck with Heald college credits that are worthless and a mountain of student loan debt. What can I do?
The promise that you would get a job as soon as you graduated was illegal. This opens the school up to a Borrower’s Defense Claim, so if I were you, I’d visit my page on the Borrower’s Defense to Repayment Program and review the details of how to submit a claim. 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 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. No one wants to hire me since I went to that school. They feel as though the students aren’t qualified enough. Wow! Had no idea they would close years later. I enjoyed the school I stayed on the Deans list with a 4.0 throughout the school term. I just want my transcript hopefully they are worth something.
I hope you can get your transcript and find a good job! Good luck!
HI there, so I’ve been searching loan forgiveness on Wyotech and came across your site. I really need some input if there is any solution to problem at hand. My stepson went to Wyotech in Blairsville and his dad took out the loan for 33,000. The problem is he only got forgiven for 3,000 of the initial loan due to the schooling saying it was consolidated into a loan in which the remainder wasn’t an official federal loan anymore once that was done. I feel like just because we consolidated to try to make it easier, we shouldn’t be out the remainder which is a significant amount considering the dishonesty of the school. We have all proof of them getting paid through the bank we consolidated through, but are at a dead end as to what to do next.. Is there any further action he could take or is it just a lost cause in getting a lawyer involved?
Unfortunately, consolidation can ruin eligibility for all sorts of Federal benefits. You’re basically stuck at this point, but you could try contacting an attorney, or reaching out to the Student Loan Ombudsman Group, which is a group of Lawyers who provide free legal advice on student loan-related issues. Google their name for their contact info.
Hi, I went to Everest back in 2012 at the Melrose Park, IL location. I received paper work in 2015 that I should fill out and submit for debt forgiveness. Almost 2 years later I finally received a letter stating that my account has been transferred over to zenith Education Group and my debt has been forgiven. 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?
Good question! I am not entirely sure how this will work, but you MAY be eligible for that $5,000 as a refund. This could get tricky though and will probably require legal assistance (and a lawsuit). Try contacting the Student Loan Ombudsman Group and ask them what they would do. These guys are attorneys who provide free legal advice for student loan issues. Google their name to find their phone number. And good luck!
I’m in the same situation or maybe worst.
I attended and graduated from Everest Detroit, MI 2009-2010 Medical Assisting Program. I was literally call daily by the recruiter to go by the school and enroll, with promises of jobs offers after graduation (from hundreds of hospitals, clinics and doctor offices that they claimed requested their students for Internships and job positions) and high pay rates, I’m a Hispanic immigrant and had just got my Green Card by that time, so that meant the whole American Dream for me. While I attended Everest, I worked for the Census Bureau Dept, on Census 2010, and I Quit that federal job because my Internship was starting; I went from $18.00 an hour with the Census Bureau down to $14.00 on a Dermatologist Doctor office for just about a year when I got fired because I refused to do other chores not specified on my Medical Assistant position.
Now I’m stuck with this around $14,000 loan which now is in default and ruining my credit score.
Can you give me any advice please?
You should look into the Borrower’s Defense to Repayment Program and consider filing a BDAR Discharge vs. Everest. Check out my page on Everest College Forgiveness as well.
Hello, my boyfriend went to Wyotech in Blairsville a few years back, and he paid his tuition upfront, no loan. He never got any mailings about this loan repayment because he didn’t have one, but he heard about it through friends and the news. Do you believe he would have a shot at receiving any type of refund for his paid tuition, as others are receiving loan forgiveness? 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! Please advise at your earliest convenience, thanks!
If there was no loan, then I don’t think he’ll qualify for any sort of forgiveness at all. I’ve never heard of a program that offers repayment or refund benefits when the originally money spent wasn’t used in some form of a loan. Wish I had better news, but I don’t think he’s got a shot at getting anything back.
The one potential option he does have is looking into the Borrower’s Defense to Repayment Program, but I’ve never heard of this being used for anything other than a student loan.
I filled out the Borrowers claim and recieved forgiveness on only half of my loan. I did graduate but feel down on continuing my education, which I’ve always wanted to do. An I avke to go in where I left off ? If possible, what are schools I can go to continue?
Congratulations on receiving at least some forgiveness – many people are being denied lately, so at least you got something! You need to find out if you were able to retain any of the credits from your original pass; sometimes forgiveness requires giving them up. If you still have those credits, then you’ll want to see which other schools will accept them as transfer credits, and try to finish up your degree at one of those schools so that you don’t have to start from scratch.
Hello i have a question Im totally lost having issues finding information about school closed discharge application. 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. what are my chances of being approved my campus was 9200 southloop orlando fl i did online schooling. how long does it take to be approved? anyone with similar situation?
Check out my post on the Closed School Loan Discharge Program for details on how it all works, then look at your date of last enrollment, and the date that your campus closed down. If those dates are close enough, you’ll qualify for a discharge.
Thanks for the info. I attended WyoTech-Laramie for their Diesel Technology program from 03/2010 to 12/2010 and graduated with a “diploma.” I was promised a lot….I remember the rep painting a picture of unicorns and rainbows. Everything ended up being the complete opposite of what he said. 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. 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). Do you think I’d have any kind of shot at a refund?
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. 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. It’ll probably be a while before you even hear back, but since you’ve only got time to lose… I say go for it.
I graduated in 2001 and 2002, with a degree in AA in Computer Technology and AA in Networking. Heald counselors basically promised me to get a a job in my chosen career and have a better pay. 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. 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. By the way, I have sent out many applications applying for jobs that matched my degree but to no avail. Do I qualify for a loan forgiveness? Please help if I do. Thanks!
Did you ever complete the second degree? The one in Networking? If so, when did you graduate?
I’m basically in the same boat as Gerado here. I graduated in 1998 with an A.A Computer Tech, then went again for networking and graduated with an A.A. in 2001. Do I qualify for any forgiveness? This has really gone bad and I still owe these guys a lot of money. I would gladly appreciate any help you can give.
It sounds like you finished way too early to qualify for any of their forgiveness programs. These things have been set up for people who were there right around the time that the school got shut down, and especially for people who weren’t able to finish their degrees.
Are your loans Federal or Private? If they’re Private, you’re probably completely out of luck. 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.
I attended Heald College in Milpitas and graduated as a Medical Assistant. I actually found a job after almost 9 months without their help which they promised me to help find one. I went to Heald to ask if they have an LVN program and they said they don’t but Medical assistant is the same as an LVN as well as the pay rate. Since I am new with all these program I believed them, and only to find out that it was way different and now I have to take LVN which cost me a lot of money which I should’ve took years ago. I could’ve been doing my RN program right now. Some of the classes I took from Heald, I took them again on my LVN program which I have to pay for them again. Then they encouraged us to do fafsa and some private loans to pay for school. Is there any possibility that I can have my loans be forgiven?
Good timing Dionne,
I just published my page on Heald College Student Loan Forgiveness and Refunds, which explains everything you need to know about getting rid of loans related to the school. You’ll likely be eligible for a Borrower’s Defense Discharge, so check out the page and let me know if you have any other questions.
My son went to Wyotech in Fremont CA- he graduated and has since received a letter stating that all of his loans were discharged. However- he just got his tax return seized claiming student loans was the reason (he didn’t have any others) the Board of Education is telling him it could take years to be refunded – he has filled out all the necessary paperwork and is just waiting for someone to do something. Do you have any suggestions on getting this thru the system faster? He is a hardship case and his family was counting on this Tax Return.
I would recommend that you have him speak with an attorney, because they’re the only people who will be able to help with his case. He’s going to need to go after this on the legal front, otherwise there’s no hope for making any headway. Wish I could offer better advice, but that’s how it works.
Hello, I went to Everest college in Hayward ca. From 02/2010- 07/2011 for the medical billing and coding. I like a lot of other people were bombarded with constant advetisments directly targeted towards low income minorities. That coupled with the actual in person promises of a better future they they can only provide. They were never able to place me to work. I also learned very little while i was in the program. The instuctur spent most of her day glued to her to her computer screen on her Facebook page occasionally glancing up to comment on how cute what ever she was looking at was.. My loans are currently in default and the USDE has recently in the last 5 mo started to garnish my wages. I’m in process of submitting the proper docs for the loan forgiveness. If I’m approved will I be refunded what they have recently taken?
Refunds are a tricky part of the process and based on the feedback I’ve received, are hit and miss. There’s a possibility that you’ll receive a refund, but I would not count on it. It’s more likely that you’ll simply get forgiveness.
I went to an Everest college in 2009/2010 I did their medical assistant program and was told I had job placement thru the program and that I would be making $30 plus in that field , I went to many intwrviews and was basically told that because of the school I got my CMA thru i wasn’t a good canadite .. Would I qualify for any of these programs ?
It’s possible that you could qualify for a Borrower’s Defense Discharge because the school promised you job placement and a salary, both of which are illegal. I would definitely considering filing a Claim against them.
How would you file a claim? I pretty much had the same thing happen to me for Computer Programming in 2009 at Everest.
Pretty much exact same thing here as well. Only I took Computer science. I was not even sure about the place at first. After calling 1 time and asking some questions Everest Called me easily 2x a week. They claimed basically every thing Tech related was a “SURE HIRE” Then just to sweeten the pot they offered to send me a “Free” Laptop. I did my classes online. At one point I was told I was with Everest Branch in orlando, then later into the semester when I started researching them and finding all kinda horrible info ,They then at one point told me I was with Everest In Tempe AZ. This was 2012 through 2013.
I ended up leaving, I was being lied to,getting run arounds etc ,U name it!
Hi! I went to Everest in 2013 for AA business management. Over half way done with my AA the school closes (Zenith took over?? At least that’s what I was told. 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. I did not want to start over I was so close to being done so I tried to finish. On my last semester they said I was no longer allowed to complete (due to an absence and I had great grades) and if I wanted to stay in school there I would have to find a whole new major. I was just so fed up after all that and I never finished. Now here I am in all this debt with nothing due to this. Is there anything I can do for this debt?!
I think you could qualify for either a Borrower’s Defense Against Repayment Discharge, or a Closed School Loan Discharge. Check out the links in the previous sentence for details on each of these programs. One or the other will probably work for your situation, and I’d lean more toward the Closed School Program just because Borrower’s Defense claims are taking so long to process.
i went to heald college in stockton CA. i was an active student until the school closed. i did not know anything about forgiveness until last year. i called the school loan department and they sent my loan to the debt collector. what can i do? is it still possible for my loan to be forgiven?
Yes! It’s definitely still possible to get any Corinthian-connected loan discharge via the Closed School Loan Discharge Program, or the Borrower’s Defense Against Repayment Program.
My loans are paid in full. Due to the accusations and settlements are former students, like myself, able to qualify for any refund payments?
It’s POSSIBLE, but highly unlikely that you’ll qualify for anything. Most of the forgiveness programs are focused on debt reduction, rather than refunds.
Hi. I went to Everest (was originally Kee Business college) for the Massage therapy program, for our nine month program we had two different instructors quit. In between them an assistant whom was not a licensed MT (never even took the exam) was in charge of teaching us for over a month. Will I qualify on this basis? I know I will due to the promise of making $60/hr and definitely having job placement (I was 18 and naive sadly). I’m curious.
I don’t know if it matters but it switched from Kee to Everest only about a month before I graduated. Also, will I lose my massage license if I’m granted debt forgiveness for my loans?
The promise of making a certain amount of money per hour is definitely a valid argument for Borrower’s Defense Against Repayment. 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. You can bring that part up as background to talk about how unprofessional the program was, but I would not use it as the hinge for your argument.
Hi, I attended WyoTech in Laramie 06/09-05/10. My story is similar to a few of the above comments in that I met with a recruiter and they painted a pretty picture of the whole idea of me taking out a 32k loan for this “once in a life time opportunity to change my life for the better” and attend WyoTech. Blah blah blah… my question is how do I go about proving that they promised me these things? (Job placement, career pay, other things lol) I mean I wasn’t secretly recording this conversation that took place 9 years ago nor did I have a stenographer present to jot down the conversation. What would be my best bet for proof and what have you heard of some students coming up with that helped their cases? Thank you
The reality is that you don’t necessarily have to “prove” it, but if you can find any source of advertising they offered that states a promise about a salary level, a job title, etc., you’ll be golden. If you can’t find anything like that, it becomes your word against theirs, but the courts are hearing so many cases where people like you are accusing them of the same thing that it’s hard for them to reject your narrative. Tell the truth on your application and you should be fine.
I was approved for 100% forgiveness on the school I attended. My questions is will I receive a refund of any? If I transfer my credits over to another schoo will my loans I previously had will be forgiven?
Usually, the deal is you either get forgiveness, or you can transfer credits, but not both. Also, the refund thing is handled on a case by case basis. Most people are just getting their loans forgiven, and not receiving any refunds at all. Some people are getting small refunds.
Hello I was one of the Heald Students 2010, sent my official transcripts and have called multiple times. Just want to know if theirs anyone out there that their loans have been forgiven. There is no status on my claim, its been since June 2016 that they received my paper work. Its affecting my credit so bad! How much longer!
Same here. Last update I received from them was this year in June, 2017 that “they were still looking into it.”
I have done everything I was suppose to do for the Heald college loan discharge, I have mailed out my attestation form and all other information, it has been over a year since I mailed it. I also called the borrower defense line to make sure the received it just a few months back and they did. They also informed me it takes about a year to get to each claim. . It’s know going on 14 months and nothing from anybody no email or anything. My question is how long do I wait before I take more action or better yet what else more can I do. Thank you
Just remember that there are MILLIONS of other people trying to take advantage of all these recent Federal forgiveness programs, and that the Borrowers Defense Against Repayment program has been FLOODED with new requests. It’s going to take some time for everyone’s requests to get processed. There’s really no way to estimate how long it’ll actually take.
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. My son has his loan in forbearance. He sent the form to receive loan forgiveness. I don’t understand how it takes so long to find out if the loan is forgiven.
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. All these Borrowers Defense Against Repayment letters and applications have to be manually reviewed, then manually approved or denied. It’s going to be a while before you find out whether or not your son will receive approval, especially because you guys are getting into the game kind of late. People have been applying for these benefits for over a year now.
I went to Heald College-Portland from July 2008 to January 2012. Study in Business Admin. & Information Technology. I have feel all the paperwork out when I heard Heald shut down but i have gotten nothing but the run-around and my friends that went before me have their debt reduce and yet I’am still waiting.
It’s weird how these things go – hopefully you filled all the paperwork out correctly, and gave the DOE all the information they needed to make a determination. Hopefully your paperwork didn’t get lost too. 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.
I sent my defense I was lied to for daughters school loan. They lied about alot of things. 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?
She went to one of the Everest schools on list and during that time frame.
Try contacting the Student Loan Ombudsman Group – they may be able to look your case up for you.
Question, I was enrolled in 2000 and was told back then I would go to WyoTech and never have to pay a dime and they would place me in a position after graduation. I graduated and got hit with the entire amount, no job and my AA was never recognized. 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! For years I have tried to ignore it but I need this resolved… What are my options?
You need to submit a Borrowers Defense Against Repayment letter and try to get your loans discharged. If you were really promised a FREE education AND job placement, then you’ll for sure qualify for the program.
Thank you for this blog Mr. Marshall. I am writing on behalf of my son who is currently stationed in Europe. He was a Wyotech, Laramie, WY student 2012-2013. His school and program DO qualify. He submitted the “Attestation….” “Borrower Defense to Repayment” online form almost a year ago (July). No response as of yet. He wanted me to request a recommendation for a lawyer.
We have a story of our own that I don’t think you have heard of yet.
I was there at the table with my son and 3 of his friends as the recruiter was giving his sales pitch at our home. I witnessed everything. Not only did the recruiter promise them job placement before they graduated the program, but also mentioned it would be no problem for them to get jobs in Laramie, while attending school, to help pay for living expenses and school expenses. “There’s PLENTY of jobs. They LOVE hiring students”, he said. It turned out, the town was more partial to employing the University of Wyoming students. So, in turn Wyotech ENCOURAGED students to take out STUDENT LOANS for living expenses. Yes, encouraged! All the student had to do is walk into the financial aid office and ask for money for living expenses and a new loan disbursement was created. It’s my assumption that was a practice to retain students.
Also, they did have job fairs with vendors from the military branches and the mines/quarries. The problem with being employed by the mines was, they had no housing available in those mining locations for the employees.
Wyotech, Laramie used a Wyoming state bank for his private loan. So, I think we may need to get a lawyer to see if both Direct and state bank loans could be relieved. If possible could you offer a recommendation?
Thank you again for your assistance.
I’m not sure I’d go for a lawyer quite yet – the Department of Education is WAY backed up with these requests (anyone and everyone with outstanding debt who hears about the program is submitting a letter), so just keep paying and sit tight. As long as he filled everything out properly and handled the process correctly, you should be hearing back on the loan soon.
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’m confident that your son will be able to get a discharge, and I don’t think you’ll need the assistance of an attorney.
If anything, try contacting the Student Loan Ombudsman Group, which is a network of lawyers that work pro bono for the Federal Government, and handle requests of this nature. They can’t tell you when you’ll hear back from DOE, but they can review the materials your son submitted to make sure he did everything properly, clearly states the claims/breeches, and increasing the odds of his letter getting an approval for discharge.
You can find the Student Loan Ombudsman Group online, here.
Thank you for your quick reply. Actually, he did not join the military until shortly after he graduated Wyotech. Of course he got the information about enlisting from the job fairs and also from the other students there that were attending with their GI Bill. Please do not take this wrong. I am very proud that my son is serving for our country. This decision ended up working out well for him. He is just in agreement with the fact that Corinthian College used unethical recruiting practices.
Also, he only submitted the online application, he did NOT send a “Defense Against Repayment Letter”. Should he have one made also? (that is why he was requesting an attorney.
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. I think you will want to followup with the Student Loan Ombudsman Group.
Hi Tim. I did call the Ombudsman Group. They will not work with the Corinthian College issue.
I am still awaiting a response to the application.
Bummer! Did they say why?
Hello! I attended Heald College in Sept. 2003-April 2005 and graduating with my associates degree in Medical Assisting. I’m not sure if I have proof that they are looking for to write them a letter. I do remember them having a place that we could look for jobs once we graduated. I would guess that is stating that they can guarantee a job for me. I’m just so unsure if I would qualify for any of this, also it being so long ago. It is hard to find all the information they are needing. Do you have any advise to guiding me in the right direction or just continue paying my student loans?
You’ll need to come up with something very specific, and concrete. You cannot get an approval without being direct and to the point. You need to accuse the school of violating some state or Federal law. Don’t give up. If you feel they took advantage of you, did something like false advertising, misleading you about job placement, expected salary, transferability of credits, etc., then you have a legal recourse and you need to fill out a Borrowers Defense Against Repayment letter.
The more people that use this system and get their loans discharged, the less likely schools are to continue the rampant abuse that’s been going on for decades. 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. We want student loan reform, and we want it NOW!
Hello, my son went to Wyotech in Laramie got his loan though BND 30,000 and had a co-signer. He has not been able to get hired because of the school closing and the reputation is not there anymore. having trouble paying 350 plus with a minimum wage job. Can he apply for forgiveness programs? repayment plans with lower payments that he can afford. calls are just overwhelming to both him and his co-signer. help please or any advise would be greatly appreciated.
He can absolutely apply for the benefit. There’s a whole program called the Closed School Loan Discharge Program that you need to look into, but even if he doesn’t qualify for that, he can still take advantage of the Borrowers Defense Against Repayment Provision and apply to have the debt discharged on the grounds that it’s invalid (since it was taken out based on lies, false promises, etc.).
Your best bet may be to contact someone who can help, and to pay them a small fee for the work they’ll do to put together your claims letter, submit it, and deal with all the paperwork. My recommendation is to call the Student Loan Relief Helpline at 1-888-906-3065. Your call is free, and you’ll only be charged if you decide to have them do the work on your son’s behalf.
What if I was lied to after already being enrolled? I signed up for the pharmacy tech program Everest college in July 09 but got into some trouble in august that caused me to have a felony in my record. I let them know and they said it wouldn’t affect me that I should continue with the program but it did affect me I never got my pharmacy tech license so I was never able to even get a job? Should I seek a lawyer for help?
Yes, you should pursue a Defense Against Repayment discharge since you were lied to. I would contact an attorney and start working on preparing your Defense Against Repayment letter.
Hello, I attended Everest in Bremerton, Washington which is now closed. I was guaranteed a job and was promised they would be there every step of the way until I found a job, well they did not help me AT ALL even when looking for an externship site I was the one who had to search for a place because they would not help and it was getting close to the time I was going to graduate so I had to push and beg for them to help me find a place nearby to do my externship, I was even willing to travel (across the water) and they told me they couldn’t find anything at all, which is very strange since Seattle has a lot of hospital/clinics and I was always hearing about places in Seattle where they were looking for people , basically I did all the research and I finally found somewhere to do my extern. Anyways, I did not take out any student loans but payed off the entire cost of the course. Is there a way to get my money back?
If they GUARANTEED you a job then you should qualify for a Defense Against Repayment Discharge. Look into my page about them here.
I attended Heald Concord campus and was promised immediate job placement. “get in get out and get ahead” More like they take your money and did not care anything about morals. Long story short. I took a leave of absence due to pregnancy. After I gave birth I necame ill had 2 major brain surgeries. Heald college was aware of my situation and leave of absence. Heald campus closed and my loans were/are past due. I have not paid on loans due to students receiving loan forgiveness. which I think I would qualify for due to my situation. in your professional opinion would I qualify for either option? my leave of absence was in 2010.
“Immediate job placement” sounds like an illegal promise. I would pursue a Defense Against Repayment letter for this.
i got my student loans forgiven but they are still on credit report how do i get them off
Contact the Credit Bureaus and ask them what you need to provide to prove that these should be removed.
How long did it take!?
Hi how long did it take to get you’re loan forgiven
My sons attended Wyotech in Laramie WY back in 2008 , they were promised job placement which never happen. The school loans are a hardship to them and my self when the recruiter came to our home he told me if I co-signed for my young’s son he would get a lower interested rate. Come to be after they finishing school as a auto tech there degree was worthless no auto company’s would give them a job. So when the bill came for there school loan my young’s son which I though I had co-signed ended up that I was the barrower not a co-signer. We live in south Texas about 1900mile from WY. When they were there about a month or so already attending school in there dorm which was already included in the school loan. They were told they had to fine another place to stay because the dorm were meant for other students they had made a mistake. So they had to get another loan for housing I called them time after time to try to fine out what was going on, never got a straight answer just they were working on it. And not going try getting into the training they got there which was a waste of money and time. It was just about how much money they could make as profit that’s all. There is even more.
If they were PROMISED job placement, then you have a case to file a Defense Against Repayment letter and try to get the loans discharged. None of the other details really matter – the important part of the process, and what will need to be included in your letter, is the fact that your sons were promised something that the school could not (and did not) deliver. If you can prove that, then they’ll get their loans discharged.
I would contact an attorney to help you draft this letter, or call the provider I refer people to: the Private Student Loan Relief Helpline. Their top strategy is to challenge the legal validity of the loans (via the Borrowers Defense Against Repayment Provision), and get them discharged due to the schools or lenders violating some state or Federal laws.
To talk to the Private Student Loan Relief Helpline, call 1-866-530-9946
My husband attended Heald (HNL) and we did finally get an email indicating our Federal loan was forigiven ($26,000). However, he still has private loans ($7300) with Balboa and Campus Funding LLC through UAS. 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. I’ve heard ECMC allowed 40% reduction on private loans or cfpb can help. I haven’t received solid information about the private loans for Corinthian. Do you know anything? Do you know if that lawsuit ever transpired?
Oh and we did get refund for the amounts paid on the federal loans.
Hey thank you for letting me know! I’m glad to hear that and will be able to share this great news with everyone else now. Rock on!
I’m not sure on the status of that lawsuit, but some fancy Googling should be able to get you details on whether or not it actually went down.
In the meantime, I’d file a Defense Against Repayment letter for the Private debt you still owe. You can absolutely get that wiped out through the same process you used for the Federal loan.
May i ask how long you waited to hear back about the federal loan? Just curious.
Hi I also attended Heald and got an update about my loan a few days ago that they are still evaluating it. I’m wondering what did your husband put on the attestation form to get his loan forgiven. I would really appreciate it if you would reply back to me.
i attended everest school in santa ana california they promised me more money and also to pay for my national pt exam and none of that happened i was studying for pharmacy tech making 11 an hr in california. I tried getting ahold of everest college but its closed along with all everest in california. they broke their promise to me and i graduated ad they told me to take all the time i need for the national exam and now i feel ready from 2011 to now just shows how i did not learn anything in the school and im expected to still pay almost 13,000 more. I contacted everest and they say they have no idea how to do that also the company i called told me they never bought schools in california only in oregon and nevada and still couldnt assist me.
If what you said is true (that they promised things they didn’t deliver), then you’ll qualify for a Defense Against Repayment Discharge. The hard thing is that you have to put together a legal letter to prove all this, and a Judge or Court will need to agree with your opinion in order to get you the discharge.
My recommendation is that you pay someone a few hundred dollars to help get this taken care of. Contact the Student Loan Relief Helpline at 1-866-530-9946 and they can help you with the process from start to finish. You’ll need to pay them a bit, but it shouldn’t be all that expensive, and will be your best way to maximize the chances that you qualify for the discharge of the total $13,000 amount you’re being told to pay.
I went to Everest known now as park college in Denver. And I have been working the same job I was working while attending. I do not make enough to pay on or off my student loan what do I do?
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.
If you have a Federally-funded student loan, then call their Federal Loans Hotline at 1-888-906-3065. If you have a Privately-funded student loan, then call the Private Hotline at 1-866-530-9946.
Ugh.. I’m terrified of ever attending another college… terrified to send my own kids to college! When I first enrolled, I only enrolled with the guarantee that I wouldn’t owe anything! Everest University told me that with all the kids I have (5 at the time, now 7… yes I’m done, lol) and being low income (no I’m not on welfare) that financial aid and grants would cover everything! Then when the Sallie Mae papers came into play, they said it was protocol in case something should happen with financial aid (like a felony… which my record is still clean, and no other changes). So I started in 2008 and withdrew in 2009 and never seen anything on my credit or received any mail so I believed them! I got back on my feet at re-enrolled with them again (with that same promise) in 2010 and withdrew in 2013 because they weren’t allowing me to change my major. Shortly after withdrawal I found everything on my credit report, including from 2009!! Terrified is putting it lightly.. I don’t want my kids to start out life in debt, mostly when I now have trust issues from this. It’s craziness! And other than my work history to show low income and my kids birth certs for proof… I have nothing other than my word because this promise was made over the phone 🙁 I’ve been fighting for 2 years now and I did apply for the Defense To Repayment in March of 2016 and still I wait. I called last week and they said, “It’s still being processed”.
Hopefully I hear back soon. And I pray they approve it! I mean, in all honesty, I feel I shouldn’t have to pay for that lie! Also if it does happen to get denied then they can have my credit because I simply cannot afford to pay it (a big reason I made that a very clear staple for me to enroll). Frustrating to say the least…
Unfortunately, it takes FOREVER for the Defense Against Repayment letters to be processed (because they Department of Education is getting FLOODED with them…), so you’re just going to have to hang tight a while longer. 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. It’s bad that you don’t have a written record of it, but this has happened to so many people that it should make the barrier to entry and belief a little lower, and you should be ok. Keep your fingers crossed, hang tight, and you should get your approval.
Do Everest online schools qualify for the loan forgiveness?
Yes, they sure do!
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 been struggling with this ever since because it’s in total of almost $30,000. How can I get help. He private loan for all three was originally three Genesis and since it was sold so and they said it would only apply to the interest and not the principle. I had his loans in forbearance because I couldn’t afford $250-350 a piece.
I don’t have any great solutions for you, because private loans are harder to work with, but I would consider consulting with a local attorney to see what they think you should try. It may be time to consider Bankruptcy, maybe time to look at the Borrowers Defense Against Repayment program, or time to investigate other opportunities. There’s probably something to be done, but only a local expert will be able to guide you the right way.
My name is Billy Joyner i went to Everst school in Aurora Illinois from January 2013 to November of that year i received my certificate for Electrician and was promised to be in a position to have a better paying job even with a ged the school informed us they were closing now navient and university accounting services are sending me letters to take my check I’ve been sending money im a forklift operator i can only afford 40 dollars a month I’ve been paying them for three years and I’m receiving harassment phone calls
I think you need to look into the program details to see if you qualify for a debt discharge. You may qualify for a Closed School Discharge, and you may also qualify for a Defense Against Repayment Discharge. Check out the details of these programs by clicking the links in the preceeding sentence, and determining whether or not you fit the eligibility conditions. If you do, you’ll be able to stop the debt collectors dead in the water.
Hi, my question: I attend Heald College Fall 2014 thru April 2015 and my school was shut down. Is it to late to apply for the student loan forgivness if i was still attending Heald before the school shut down.
Check the requirements I outlined in the post. If you fall within the eligibility window, you’re good. If not… no dice.
Why is it taking so long to receive an update? I applied for forgiveness 6 months ago and I know I qualify because I was enrolled in one of the programs listed after 2010. I am so frustrated because this is holding me back from buying a home. How much longer is this going to take?
This is the Federal Government you’re talking about. The cogs and wheels of the Gov’t grind slowly, if at all. You could try contacting the Department of Education, and your Loan Servicer, for assistance.
I was part of the Heald college fraud, a few months back I mailed My accurate information to the office of education. My only question and concern is I just wanted to make sure they have received it. I’ve called there hotline they told me I had to email them to see if they received the mail, since then I have done so but no response. I know this will take some time. Bottom line does anyone know about how long the process takes or if there any way to know if they received the mail or I’m I just paranoid they didn’t receive it. Thanks!
Unfortunately, I’m not aware of a better way to get in touch with them. All the DOE people are being flooded with inquiries regarding the recent student loan forgiveness updates (for ITT Tech, Corinthian and now DeVry), so there’s a good chance that you’ll just have to hang tight and wait.
My husband went to Wyotech in Sacramento and graduated in 2007. Would he qualify for one of these options?
You’ll have to read the chart and find out. 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.
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? I feel I have been defrauded by them and to this day have not been able to obtain a position related to my degree. 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! 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 finished my degree program to no avail of obtaining a career with this useless degree.
If you were promised that you would be able to find a job at a certain income level, then you may qualify for a Defense to Repayment discharge. 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. As an alternative, you may want to try calling the Student Debt Relief Helpline, who you can reach here: 1-888-694-8235. They should be able to take down your information and give you some options for moving forward.
Best of luck! Hope it works out for you!
do i get refunded money I’ve already paid for my student loans?
As far as I’m aware, there is no refund available, only a cancellation of the remaining debt. I could be wrong though.
I attended Heald 2007-2010. I was in the IT Network Security Program AAS degree. I don’t understand that this applies to only people who are enrolled either on or after 7/1/2010. Everyone who were enrolled in this program were defrauded. Not just those students after 7/1/2010. No one should get special priveledges. Everyone applies
It has to do with Politics. The Federal Government surely had to offer concessions and compromises to get this legislation put in place, and the banks are never going to go for forgiving all debt completely. 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.
Wish I had a better answer for you, but this is how things work in this country. Politics, as usual.
Hi, great article, very informative. I was wondering if you might be able to help me. I was a VA student at Heald in California, so my tuition was 100% paid through my GI Bill. The VA removed Heald from their approved schools list a couple months before they closed, so I transferred to another school. When I left, I was told my account did not have a balance. Now, nearly a year later, I received a collection letter saying I owe Corinthian Colleges almost $200.00. I don’t know where to go or who to talk to to find out if I actually have to pay this. The only resource I found was to call the department of education hotline, and they checked some national record database and were only able to tell me that it isn’t a federal loan, which means I’m not subject to federal loan forgiveness. Do you have any advice about what I can do, or do you think I will end up having to pay?
If I were you, I’d probably just pay the damn $200 and move on, but if you want to fight it, I think you should contact the Student Loan Ombudsman Group and ask for them to look into this for you. You can reach them here: 1-877-557-2575.
What do we do with the Private Loans for tuition? Is there any action addressed for these loans?
Not that I’m aware of. Unfortunately, all the benefits programs that I’ve found only apply to Federal student loans.
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? Just discovered this info when trying to get the loans out of default
He will only be able to qualify if he can get approval under the Defrauded Student Relief part of the program. See item 2 under the headline “How Does Corinthian Colleges Debt Forgiveness Work?” above.
I have a question. Since Heald college closed and there is no way to contact them how can i get a copy of my transcript? I am planing on applying for the Defrauded Student Relief and i will need it. Please let me know if you know. Thank you.
I’m not sure how you can do that. Is there a way to access them online perhaps? I haven’t run into this before. Try posting to http://www.reddit.com/r/studentloans and asking if anyone else has run into the same sort of trouble. Be sure to come back and let me know what you find out!
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! I have documentation for this!)
I had to re-finance the loan for a MUCH higher interest rate because I had already completed his first 2 months at WyoTech and was therefore responsible for the whole tuition amount.
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). I filed the complaint with CFPB (included all relevant documentation) and this is the response I received: ….(quote) “We reviewed your complaint and couldn’t send it to the company for a response. This could be because WE HAVEN’T REGISTERED THE COMPANY or because your complaint DID NOT INVOLVE A FEDERAL CONSUMER FINANCIAL LAW WITHIN OUR AUTHORITY “(end quote)….
This makes no sense! They’re saying that they “haven’t registered the company” (which is WyoTech whom THEY are suing)??? And they’re saying that there is NO “Federal Consumer Financial Law” that protects consumers against unfair practices???
The school had the loan papers 3 MONTH IN ADVANCE, and I followed up repeatedly regarding the loan being certified by the school. They ALWAYS assured me that everything was “okay”!!! Then – 2 MONTH AFTER I started classes – I got notified that the bank closed the loan application because WyoTech NEVER certified the loan, and after being FORCED to re-finance it, the payback will be over $30-thousand MORE because of the higher interest rate!!! And there is NO LAW AGAINST this kind of fraud?????
My dad is a co-signer on this loan, and we consulted 7 different lawyers. 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.
And so now, if I read this article correctly, it would mean that even IF there was a chance that I might get the remainder of this loan forgiven (I’ve been paying on it since 07), I would get PUNISHED AGAIN by having to pay taxes on whatever amount is forgiven??? And what about my dad who is co-signer for the loan? Would he also, ADDITIONALLY have to pay taxes on it (so we get charged TWICE)???
Honestly, I don’t have much good advise for you hear. I would say “consult with a local attorney”, but it sounds like you’ve already done that. Your best shot may be contacting the Student Loan Ombudsman Group – this is a Government-sponsored legal agency who offers advice on dealing with troubling student loan debt situations.
However, I think they only advise (technically) on Federal Loans, and since yours are Private, they may not be able to help.
With that said, I’d still give it a shot, because they’re only a phone call or email away. You can find the contact info for the Student Loan Ombudsman Group here.
If the loan gets discharged you still have to pay taxes on them. I also heard you are responsible for any interest accrued. Do you know anything about them?
Yes, as the law stands now, debt forgiven under the Corinthian Colleges Discharge Program will still end up leading to a tax penalty, and payment of any accrued interest.
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.
Keep in mind that even if her legislation is passed, that’ll only protect you from California taxes. As far as I know, there’s no counterpart legislation at the Federal level, so Federal tax law will still apply.
Still though – it’s a much better deal than having to continue paying off those dead-end loans.
Good Morning. I attended Heald Honolulu for AAS Health Information Technology from 11/2011 to 1/2014. I was not really surprised by how it all went down with Heald. It came evident to me their deceit towards job placement and holding students who wished to graduate on time from their program, that I even wrote a paper about it in my English Class (I was encouraged by both my peers and my instructor) as an eye opener to everyone. I was always in debate with my program director about it hoping my inquisition will break their lack of transparency. Unfortunately, I found myself defeated fighting my rights as a student. so I solemnly vowed to myself to just do my best and graduate and get out of there and karma to them will do the rest. So I did finished my program, graduated January last year, and move here in San Diego and still finding luck to land a stable job in my field. I would like to know if I am eligible to apply for the student loan forgiveness and get rid of my $33,000 debt. Please let me know. Thank you.
Sorry to hear about what you faced at Heald. Your story is not unique – students of Corinthian have lodged many similar complaints to yours in the past few months.
I think you may still be able to qualify for the Corinthian Forgiveness Program under the Defrauded Student Relief component of the plan.
Even though you’ve already graduated, you should be able to make an argument using the Defense Against Repayment Provision to request forgiveness for being lied to about job placement rates.
I hope it works out for you, and I want to hear how it goes. Please let me know whether or not they accept your application.