How to Qualify for a University of Phoenix Student Loan Discharge or Refund
UPDATED Tuesday March 25th, 2020
I’ve got great news for UOP students; it’s now not just possible, but relatively likely and essentially even pretty easy to qualify for University of Phoenix loan forgiveness benefits via the Borrower’s Defense Against Repayment Program.
Why? Because the University of Phoenix has been accused of committing all sorts of fraudulent marketing and business activities, including violating both State and Federal laws, by essentially running a huge scam operation to extract money from not just individual Americans, but also the Federal Government and even the Defense Department (via student loans given to military personnel).
This 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.
Claim Your Share of $141 MILLION in Forgiveness Benefits
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.
This lawsuit stems from the same accusations I’ve been tracking here for years, that UOP committed unfair and deceptive marketing practices, giving the impression that the school worked with large national companies to create great job opportunities for students, and tailoring it’s courses and lessons specifically to help students land those jobs.
In reality, the FTC found that many UOP students graduated with poor job prospects, very little actual support from UOP, and tons of student loans that they were on the hook for, but which they were having trouble paying off.
Allegedly, UOP also apparently purposefully targeted their marketing campaigns at people of color and military veterans, making this whole thing even more scandalous.
How To Apply for UOP Student Loan Forgiveness
Under the settlement terms, UOP agreed to pay $191 million in penalties, with $141 million being used to forgive student loans for borrowers that enrolled in the school between October 1st, 2012 and December 31st, 2016.
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.
Bottom line: if you’ve got federal debt tied to UOP, then you need to look at my Guide on Getting a BDAR Discharge, or finish reading this post, where I’ll go through the entire process in detail, because there’s a great chance that you can get it eliminated simply by filing under the rules of that program.
But Before I Explain How Borrower’s Defense Works…
Let me give you a quick word of advice – the Department of Education is backed up with BDAR applications, and their average response time is literally multiple years now, so sitting around and waiting for them to give you a yes or no may not be your best approach to dealing with your student debt.If you're truly struggling with student debt, then you should also consider paying a Student Loan Debt Relief Agency for help. Why? Because the people working at these companies deal with student loans all day, every day, and they're your best chance at figuring out how to get your loans back under control.
I've interviewed all sorts of debt relief agencies over the past 10 years, talking to all sorts of so-called "experts", and I can tell you that in all honesty I've only found two companies I trust to offer actual financial relief to people struggling with student loans.
For help with FEDERAL Student Loans: Call the Student Loan Relief Helpline at 1-888-906-3065. They will review your case, evaluate your options for switching repayment plans, consolidating your loans, or pursuing forgiveness benefits, then set you up to get rid of the debt as quickly as possible.
For help with PRIVATE Student Loans: Call McCarthy Law PLC at 1-877-317-0455. They will negotiate with your lender to settle your private loans for much less than you owe, then get you a new loan for the much lower, settled amount. NOTE: McCarthy Law can ONLY help with Private student loans.
If you do decide to call one of these companies and you have a bad experience with either of them, PLEASE make sure to come back and let me know about it in the Comments!
How Can I Use Borrower’s Defense to Discharge UOP Loans?
Under the Borrower’s Defense law, you’re able to discharge student loans that were taken out to attend a school who committed fraud by doing something, or failing to do something, like misrepresenting their services, or violating some other state law related to your loans or related to the education services that they provided you.
In the case of University of Phoenix, it’s pretty clear what you need to do, which is to file a Borrower’s Defense Against Repayment Application stating that UOP defrauded you by convincing you to take out student loans to pay for their higher education programs because they falsely advertised inflated graduation rates and job placement stats.
Essentially, you’ll be accusing the school of false advertising, in that you’re saying you wouldn’t have attended the school (and thus never would have borrowed the student loans), had you known that University of Phoenix’s graduation rates and job placement rates were actually much lower than those that they advertised.
The really good news is that if your application is approved, your entire University of Phoenix loan will be forgiven, and you may even qualify for a refund for any amount of money that you have already paid to the school or their parent company, the Apollo Education Group.
How to Support Your Borrower’s Defense Claim
When you file your Borrower’s Defense claim, you need to make it very clear that you’re suggesting the Department of Education provide forgiveness benefits for your University of Phoenix loans because they were only taken out in the first place thanks to the school’s illegal activity.
In other words, you need to clearly state that you never would have borrowed the money if the school hadn’t lied to you about something, or tricked you in some way, or made some sort of false promise that they didn’t, or couldn’t deliver on.
Pay close attention to this point, because it’s the most important of this entire post: in your application, you will need to clearly explain exactly what the school did to defraud you, otherwise you’ll be denied the discharge and will have to continue making payments toward your outstanding loan balance.
Read through the options below to see which one of these things University of Phoenix is accused of doing fits best with your specific situation, and then use that as your argument for why you deserve a discharge in your application.
What Did University of Phoenix Do Wrong?
UOP is accused of some pretty terrible stuff, and the details of their problems emerged after a Whistleblower lawsuit from UOP’s parent company, Apollo Education Group, became public knowledge when Apollo revealed details of the lawsuit in an SEC filing (which tanked their stock, btw).
In the lawsuit, we found out that the University of Phoenix has been accused of submitting false information about it’s student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive.
When you fill out your application, my suggestion is to focus entirely on the false advertising behavior related to inflating graduation and job finding rates, because those seem like the things most likely to convince someone to take out loans for attending UOP.
The other details I outline below are just here to make sure everyone is aware of all the shady activity the school is accused of committing, and to help provide you with background information regarding why it’s even possible to get your loans discharged in the first place.
False Advertising: Inflating Graduation & Job Placement Rates
What really matters to you and to your Borrower’s Defense Application is that the University of Phoenix has been accused of inflating their advertised graduation rates and job placement statistics, which is a form of false advertising, and could definitely be used as a reason for why your loan should be forgiven.
How would that work? Because if you were considering attending University of Phoenix, but wanted to make sure that you were making a good investment of your time and money, then you probably would have double-checked the school’s graduation rates and employment rates to see if they were actually good, right?
After all, would you have attended a school with a bad graduation rate, or a bad job placement rate? Would you have borrowed tens of thousands of dollars to go to a college where less than 1 in 5 students actually graduate?
Pay Close Attention to This Point!
That’s one of the best arguments you could make in your Borrower’s Defense to Repayment Application, because there’s all sorts of proof that UOP was doing this (inflating their graduation and employment rates), so it’s something that the Department of Education cannot deny.
If you only took out loans to attend University of Phoenix because you thought their advertised graduation and employment rates were accurate, then you deserve to have your loans discharged. Simple, right?
Keep in mind that in your Borrower’s Defense application, you’re going to need to make this argument extremely clearly.
After all, Borrower’s Defense claims are a legal process, so you’re going to have to prove that you would not have taken out your loans had you known UOP’s actual graduation and job placement rates, and that you would never have considered borrowing the money to attend their school if you’d known they were lying about those rates.
Where Do I File My Borrower’s Defense Application?
That’s easy, because there’s only one official place to file your Borrower’s Defense Application, and that’ sat the actual US Government website, here: https://borrowerdischarge.ed.gov/FormWizard/BDU/BDULanding.aspx
DO NOT file a Borrower’s Defense to Repayment Application ANYWHERE ELSE, because anyone else collecting your information via an online form, or even over the phone, may be attempting to trick you in a common Student Loan Forgiveness Scam.
The Federal Government has been cracking down on Forgiveness Scams recently, but there are still thousands of people out there attempting to milk money from desperate student loan borrowers, so you need to be extremely careful about getting anyone’s help with your loans, or with the Borrower’s Defense application.
When Will I Find Out If My Application Is Approved?
There’s no telling how long it’ll actually take to find out if your Borrower’s Defense application is approved, but I’ve been receiving comments from readers claiming it’s been over a year since they submitted, and they’re still waiting to hear back.
There have also been many news articles in recent months about the Borrower’s Defense to Repayment Program, especially as the Secretary of Education Betsy DeVos has attempted to shut the entire program down.
For now, let’s just all be aware that this is a controversial program, and one that could disappear at any time. No one knows what President Trump’s plan for student loans actually looks like, and until the details of it are revealed, we need to be prepared to lose the Borrower’s Defense process at any moment.
That’s why you need to take this opportunity seriously, and get your application submitted ASAP! Even if President Trump does decide to shut it down, if your application was submitted before it goes dark, there’s a good chance you’ll be grandfathered into the program and still eligible for the discharge.
Can I Check the Status of My Application?
I get this question on a daily basis, and the answer is, unfortunately, no.
There’s no website, no phone number, no email address to contact to request an update on the status of your application.
In fact, after you submit your application, you’re likely to hear nothing back at all, for months on end, or even over a year.
What you’ll need to do is sit-tight, keep your fingers crossed, and hope that you filled everything out correctly in your paperwork, because any mistake is likely to get your application denied.
Can I Stop Paying My Loans After Submitting My Application?
No! Absolutely not!
You need to keep paying your loans until you receive official notification from the Department of Education that says your loans have been forgiven and that you do not need to continue paying them off.
If you stop paying your loans before they’ve been discharged, you may screw up your eligibility for the Borrower’s Defense process, and end up never getting to discharge your debt.
Make sure you keep making payments in full, and on-time, until you’ve been officially informed that the loans no longer need to be paid.
Will I Owe Taxes On My Forgiven Debt?
Yes, and it’s unfortunate, because it’s the one huge downside to the Borrower’s Defense process.
If you qualify for a Borrower’s Defense discharge and get your University of Phoenix loans forgiven, then you’re going to count whatever amount is forgiven as income on your next IRS filing.
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.
For details on how this process works, please visit my page on Student Loan Forgiveness and Taxable Income.
How Bad Will Those Taxes Be?
The important thing to keep in mind is that anything you owe the IRS will end up being due all at once, instead of stretched out over a period of 10, 15 or even 20 years (like student loans).
And that means that your affordable student loan payments could turn into a totally unaffordable IRS bill, perhaps even as high as tens of thousands of dollars.
In fact, I’m so concerned that the taxable income liabilities are going to devastate ordinary Americans that I’ve created a new website to offer assistance dealing with IRS tax debt, called Forget Tax Debt.
If you’ve got any tax troubles, please visit my new site, where I cover complicated tax-related topics like Negotiating an IRS Settlement, applying for the IRS Fresh Start Program, qualifying for IRS Tax Debt Forgiveness and even avoiding IRS Phone Scams.
Background Information on University of Phoenix
Everyone’s heard of the University of Phoenix, but few people realize just how large this school actually is – with 91 campuses and over 440,000 enrolled students, UOP is the second largest college in the entire country, but it’s graduation rate is atrocious, sitting at around 17.5%.
Over the past decade, millions of Americans have fallen pretty to UOP’s excellent advertising campaigns and signed up for their higher education courses, burying themselves in massive student loan debt, but that’s all about to change now thanks to a massive lawsuit against UOP’s parent company, the Apollo Education Group.
The lawsuit comes from a Whistleblower former employee at UOP, and accuses the company of doing all sorts of heinous things, including plenty of illegal activity, as well as totally immoral stuff like lying to potential students and forcing employees to sign up for education courses they didn’t want.
Below I’ll detail some of the worst allegations made against the school, which I want to share with you to help you understand why this school is such a problem, and why anyone who’s attended it deserves to qualify for a Defense to Repayment Discharge.
What did University of Phoenix Do Wrong?
First, they violated the Federal False Claims Act by lying about being in compliance with the U.S. Higher Education Act’s 90/10 Rule, which requires a for-profit school to receive no more than 90% of it’s funding from the Federal Government.
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.
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.
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”.
Apparently, School Executives and even the Director of Enrollment went so far as boast about UOP employees being able to take their families on vacations using those funds that were supposed to be given to needy students!
Enrollment Counselor Scams & Fraud
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.
One of the worst allegations made against the school is that the Whistleblower claims to have told school authorities that he or she was considering informing the Government about the school’s illegal actions, and that immediately afterwards all University of Phoenix employees were told to power down their computers for “routine maintenance”.
When the employees turned their computers back on, evidence of all sorts of violations had apparently been removed from their hard drives, and new disclaimers had been added to document templates (including previously completed applications for student loans!).
All of this is obviously highly illegal, not to mention totally immoral, which is part of the reason why I think anyone who’s attended the school should pursue a Borrower’s Defense Discharge.
It’s estimated that all of UOP’s illegal behavior cost the U.S. Government (meaning taxpayers like me and you) billions of dollars a year, so don’t feel bad for UOP or the Apollo Education Group, because these two are bad actors who deserve to be punished, that is, if they’re found guilty of actually committing all these crimes.
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.
Need Help With Federal Student Loans?
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.
And you can find out all about them right here at ForgetStudentLoanDebt.com, because I’ve spent the past decade writing hundreds of articles on these programs, so you’re bound to find something that can help you simply by looking at my other pages.
For Help with Federal Student Loans, check out my Guides on:
- Federal Student Loan Forgiveness
- Federal Student Loan Bankruptcy
- Federal Student Loan Consolidation
- Federal Student Loan Delinquency & Default
- The Federal Student Loan Rehabilitation Program
- Federal Student Loan Wage Garnishment
- Federal Student Loan Deferment
- Federal Student Loan Forbearance
- Federal Student Loan Repayment Plans
Need Help With Private Student Loans?
And if you’ve got private student loans, while the bad news is that there’s way less assistance available than for borrowers with Federal debt, there are SOME programs on offer that MAY help.
To find out what benefits packages you might be able to utilize, take a look at my articles on getting Help with Private Student Loans, including:
- Private Student Loan Forgiveness Programs
- Private Student Loan Consolidation
- Private Student Loan Bankruptcy
- Private Student Loan Defaults
If you have any other questions about student loans, please post them in the Comments section below and I’ll do my best to get you a response within 24 hours!
Finally, Please Help Me Out!
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If you found this information to be useful, then please consider linking to me from your Blog, or sharing this page with your friends on Facebook, Twitter, or elsewhere.
As you can imagine, it takes many hours of research and writing to produce a post like this, and I can only continue to dedicate my time to this site if more people visit.
I don’t spend any money on advertising, so I rely on visitors like you to help increase visibility for my content.
Old News Alerts
NEWS ALERT: On Thursday, December 13th 2018 the Department of Education announced they will begin issuing Borrower’s Defense to Repayment Discharges for up to $150,000,000 in contested student loans. This is in direct response to a Federal Judge’s ruling that Betsy DeVos needed to terminate all delays in the BDAR approvals process.
Odds are very good that University of Phoenix loans will be included in this wave of approvals, and DOE promised to start emailing borrowers on Friday December 14th to alert them that their debts from the cancelled loans would be eliminated within 30 to 90 days.
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!
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.
When I first started UOP I wasn’t a high school graduate & I told the financial counselor that, but he said it was fine because I had enough credits to enroll. He told me to check the “Are you a high school graduate” box on the FAFSA so it would process without delays. Each year I attended I was told to do that by a financial counselor when submitting the FAFSA. I was also deceived because I was told that the Software Engineering course I was going in to had locations near me that I would be able to physically attend for some courses that I needed hands on learning with. That was a lie. Over the next couple of years, I requested over and over for information on such locations during certain courses that I was struggling in & was told that all of my courses were only available online. They couldn’t help me with a tutor or anything. I failed my last course twice and had to pay out of pocket to retake and finally just gave up due to the financial strain, frustration with the school & being overwhelmed by it all. I didn’t receive the degree and am stuck with all this debt for a school that couldn’t help me but lied about it. I had found out about the false certification form for loan cancellation due to not graduating high school before attending. I filled it out and sent in my high school transcripts as proof but it was denied because I had stated on my FAFSA that I did graduate high school. I was told by my counselor to say that I did. The counselors are there to guide us so I followed his instruction. What can I do?
Try for Borrower’s Defense to Repayment; you might have a shot with this story!
I’m glad that you have this website. I just seen the posting on facebook about how people are coming forward about claiming that UOP is not doing right about how they get the students to apply for student loans by false advertising. I read all the post and your reply which help me out a lot, so I decided to apply for BDAR today, I truly believe that UOP promise after I received my bachelor of accounting that is was a good investment and I will be making more money with that degree. I put my bachelor degree on my resume from UOP, but as far as I can see when I apply for a position nobody ask about my degree, and I’m still looking for a better paying job.
hopefully I will hear something back about either accepting or decline my application.
I will let you know what happens
I enrolled with UOP in December and started my first class in January. I never talked to a financial advisor until after 3 weeks into my course work and was told that my classes were more geared towards students with previous IT experience. I began talking to people in the field that I was pursuing and was told that getting a job after completion at UOP would be extremely difficult. Of course UOP lead me to believe that I would be able to get a job right out of school. I had applied and was approved for student loans and pell grants, so I tried to change my major and got the runaround about changing my major and the effects on my student loans. After a week of silence from UOP I called tonight to withdraw. The end of my first term is this week and I definitely want to finish the course since I currently have a perfect score. I was told that since I was talking about transferring to another school that I needed to cancel my loans and that I would need to pay them for the cost of the one class. I don’t understand why if I was approved for student loans that I would be required to pay now for the one class. They said that there would payments set up for repayment, but also that my transcripts would be held hostage until money paid in full. The whole situation sounds very shady to me, but better to get out of UOP before it cost more. The class I took was a little time consuming, but not was way to easy and I wasn’t really learning much. I’m pretty sure that I will pay them off, but shady and wanted to get if off my chest.
I went to school at UOP 12 years ago. My program was only 18 months. I failed to get placement or any kind of job in my field. Without a job, I was unable to pay my loan and eventually it was placed with collection and the IRS has taken my income tax for the last nine years. How do I go about finding out how much is still owed. It’s ridiculous that a 18 month degree would still be requiring my income tax. Can you help me or send me in the right direction?
Contact your student loan servicing company. They can give you all the details about how much you still owe.
My husband attened UoP against my advie in 2001-2015 for business management. The counselor convinced him he could get any job he wanted with a Bachelor;s in Business. He receivd the GI Bill and Pell grant and after 5 classes they informed him it woudn’t be enough to cover the cost of the classes. By this point he was unemployed for the first time in his life and was just trying to do better for his family like I had asked of him. Unbeknownst to me the counselor conviced him to just let him fill out the loan paperwork for federal student loans for us and my husband just had to “stop in and sign the papers”. My husband is an amazing man, but thie school promised him job connections, said with his military background and 7 years in management and the degree to boot and they’d find him a job within weeks of completion. After graduation he wasn’t able to get hold of his counselor for months. Even dropping by the school found a locked door, or an “I have appointments all day”. The counselor never spoke about important topics over the phone or in emails throughout the entire enrollment. Insisted he prefered face to face communication to be sure he’s being understood. We have no emails besides “would you like to come in to discuss things”. I applied in June of 18 and the new link that’s provided in an email I got over the new lawsuit says they received my application in September of 18. so Question Time: We paid for 3 years before my husband took a pay cut at which time we applied for forebearance (pushd by naviant) and then applied for the discharge. Now he’s unemployed again, but this time NO ONE with hire him. He’s been in business for over 15 years but every time they see he got his degree at UoP he’s stuck at the bottom of the pile or just tossed in the trash. We’ve tried applying for jobs beneath his abilities and even without putting it on his resume that he’s got a degree they say he’s over experienced “why don’t you try getting your degree and moving up to the next level of jobs?” Can we reapply under new circumstances? can I edit the application? If I restart a new application is there a chance I would be removed from the lawsuit to make the DE make a decision about the case. I’m afraid because there is no actual proof and basically everything in his application is “my counselor told me” I did find the original ads and the percentages or graduation and job placement and put that in. but at the time he applied he was still working. and as everything has gotten worse with the lawsuits no one will hire him. Please help
2011-2015 was when he attended. I should have proofread.
I’d try to pursue the BDAR Discharge here.
My question is on the disbursements that were supposed to come back to the students. UOP held half of my disbursement on the pretense if I failed my class, that money would be used to redo the class. When I attended Kaplan, I failed one class, but did not need to pay anything extra in, my student loans took care of this. However, at UOP, they claimed since I failed, I would have to pay in $1140, (which is the amount they withheld), I did not continue with this Univ. once I found out they were cheating people. They still claimed I owed $1140 on the failed class, (which was already covered under the loan. They claimed they returned the money to the provider, but when I contacted them, they had received nothing, and that I should have been disbursed the full amount, not a partial payment. Have you come across this situation?
So, it’s super difficult to get disbursements and refunds. You may need to hire an attorney to pursue this, or at least request that UOP give you paperwork to PROVE that they returned payment to your loan servicer. Maybe see if you can force your servicer to look into this on your behalf.
Very useful article, thanks so much for putting it together!
My wife went to UoP, and I followed the link in the article to get to the Application for Borrower Defense page. One note that gave me pause was in the ‘What To Expect’ section, “Confirmation that you wish to place your current loans in forbearance.”
Last year we got her loans reorganized into the PAYE plan (after some defaults and prior forebeararnces), and it is working out ok for us. We’re reluctant to jeopardize that, and I’m wondering if completing this application would negatively affect her current plan/status.
A few other google hits make it a little unclear whether she even has the option of making this application now, given that she didn’t borrow from UoP directly (I think that was what I read, a bit fuzzy).
Any advice would be greatly appreciated.
Yeah, so your loans are automatically put into forbearance the minute DOE receives your BDAR application. And they remain there until the ruling is made.
I am using the link you provided in the article for the BDF application. However, UOP is not listed in the qualifying schools. There are 3 other schools listed in the dropdown: WyoTech, Everett College/Everett University & Herald College.
There is no option to manually add UOP. This is strange because I am logged in based on my current FSA login ID & password.
Any suggestions on what the issue may be?
You must be on the Corinthian Colleges version of the BDAR Application. Try here.
So if people should be getting loan forgiveness and possibly money back for paid loans, as a former student of UofP during the qualified time and well before this big issue a very displeased student of the school. I didn’t take out loans but paid cash for my entire degree. Every penny out of my pocket. Same as someone paying a loan. So can I file and get money back? I’ll be upset if I’m left to suffer when we all paid for our UofP classes I just paid sooner and without loan.
Getting money back is really, really difficult. If you paid, then you probably won’t qualify for anything.
I just read today that UOP is forgiving $141 million in student loan debt and notifying creditors that the students no longer owe this money. Can you explain please, How having my loans forgiven by UOP will cost me TAXES, when they are the ones who caused me to take out the loans in the first place. If they are forgiving these loans are they repaying them to the creditor that loaned us? We would never have taken them out if not for UOP’s fraudulent representation. How/why should it cost us?
Yeah, if you get your loans forgiven, the IRS counts that as income, so you have to pay taxes on the forgiven amount. That’s just the way this works.
Hello, I’m just now learning about this lawsuit and never receive emails from my the DOE regarding this. Can I still submit my application to dismiss my loans?
Yeah, you can apply at any time for BDAR.
Thank you so much for providing this valuable information. I was wondering if there are any specific cases you can point me to or links you can provide regarding successful cases against UoP? I’m about to complete my husband’s loan discharge paperwork and would appreciate a template of a case that’s been successful in order to structure my arguments effectively.
Additionally, I would very much like to speak with you about private representation in this matter if you work with private consumers.
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.
Thanks for all of the information! I paid off all of my student loans from when I went to the University of Phoenix from 2005 to 2007. I’ve been told that since I have no outstanding loans remain in my name, I can’t be helped. Do you know if there’s a way I can get a refund of all of my tuition or join a class action lawsuit?
Yeah, if you paid off our loans then you probably won’t be able to take advantage of any of these programs. It’s very, very difficult to get a refund. Also, no, you can’t really join the class action lawsuits. If you qualify under the rules of the class, then you’re automatically included.
Someone mentioned this issue with University of Phoenix to me today. I had not heard of it before, nor did I get an email last Dec. I googled the subject and found you. … Was there a deadline for filing this relief claim? My husband and I both graduated from there in the early 2000’s and are still horribly in debt with our student loans. They made great and grand promises about what would happen after graduation and how the student loans worked. We feel very stupid for falling for their hype and getting into this mess that will still be there when we die.
No, there’s no deadline. I think you should pursue a BDAR discharge if you have a good story that sounds like it’ll work.
I’d like to know if there’s a class action? I’m super upset that my borrowers defense app is taking over a year for any type of reply. Also, my degree that I worked for and spend endless amounts of time on is worthless!?? Come on guys! That’s time and energy and a ton of lost money. Not just the debt but years and years of our lives put in to the hard work of these degrees to find out one day they mean nothing because of the school’s reputation and fraud. Where’s the sign up for the class action?
Many people have reported waiting over two years to hear back on their BDAR applications. I can’t help with you with any class action issues, but good luck!
Thank you Melissa for saying this. So true, this did take a lot of our time, time away from family, and there is no way of getting the time back. This did take up 3 full years of my life and many nights of not sleeping. I am also interested in the class action!!! No wonder I cannot find a good paying position out in the world with the degree I have from the U of P.
Hey Melissa maybe we should start one. It seems that many have reason to sue if you read the comments below.
My borrower’s app has been pending for a year or so and no reply. I also have been told by employers that the degree is useless. I was lied to by my enrollment counselor and uninformed when taking out loans for military families, I was told I would have a job after graduation, NEVER happened and I am now buried with debt that I can’t locate a job to pay back.
Some people are reporting waiting over 2 years for a response.
Looks like you got a FTC Settlement on UOP… Not that that will amount to much, just more evidence for the borrowers defense. That is good news esp if you fit into the settlement guidelines… Similar is what happened to DeVry-aka for profit scam school. Prayer for relief. but also this Devos is satan.
What is the deadline to apply for the University of Phoenix forgiveness?
There is no deadline.
First, I graduated from the University of Phoenix in 2002. Second, I was scammed by Alliance Document Preparation. Which was sued by the Federal Trade Commission. The FTC did advise to contact ones student loan provider, also contact Internal Department of Education to file a Borrowers Defense Claims. I am currently filling out this Claim form and should have it completed today. My question is about the information I was given by Alliance or the other name ,Alumni Aid Assistance , that I had applied for 6 other loans which I knew nothing about. I never asked about more loans or never signed any paper work for any other loans. I was told that UOP loan department used a process called predatory loan to acquire these loans using my personal information. I know that Alliance Document Preparation got caught running a huge scam but at the same time I would of never known that UOP loan department was using my information and racking up more interest on loans I never approved. What do you think?
I’m not sure I understand what you’re explaining here, and if I something happened, you need to be really direct about it. If someone took loans out in your name, without your knowledge, then that’s definitely illegal and you should have a shot at getting them discharged via BDAR.
I attended uop in 2008 online. After finishing 2 classes I decided to withdraw from the school. They then said I owed over 4k after years of not paying my taxes were taken to pay said debt but now I’m trying to get my transcripts from them and now they are saying that I owe the school its self 559.00 bc I didnt meet their credit requirements for the student loan so they Supposedly had to pay them that 559.00. I was never told anything about having to meet a 12 credit requirement or else I’d be charged by the school. It’s been 10 years now I’ve never recieved a bill nor is their debt I supposedly owe them on my credit so how do I owe something I was never informed about? Is there any way to get it written off bc I would like to attend my local college but cant bc I need those transcripts. They told me today they last contacted me in 2011. That was 8 years ago and said I needed to contact Resolution Asset Services to deal with the issue. If they passed my account to a creditor then why isnt it on my credit and shouldn’t I be able to get my transcripts if it’s been passed on to someone else?
Good questions here Trisha, and I’m not sure what went wrong. This doesn’t sound like traditional student loans, but some kind of billing issue. You may need to speak to an attorney in this case, but that could end up costing more than just paying off the $559.00. Not an easy decision, but if I were you I’d probably try a couple free consults with local lawyers and see if they can give you advice on how to proceed.
I graduated in 2008 w 40k in loans. Now there up to like 80 K since I kept having to put them on hold and in recent time my health took a turn for the worst. 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. But I was way back in 2008 so I guess I don’t count. I actually had over 100 credits when I came there already and they still made me do over 70 more. My experience was fine as far as the course is because I chose to go directly to the Houston campus (no online classes) but yes they obviously made their employees deceive us and I should’ve had a shorter degree process.
I think you might want to reconsider your story here and try filing for Borrower’s Defense to Repayment.
I don’t believe UOP credits are transferable to you local CC.
I had the same issue contacting UOP when I wanted to get an official copy of my transcripts. 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. It’s just a huge scam. I literally got roped into this college when I was a military spouse and they even got extra money from the Department of defense because of it. I left them in 2012 and I am still paying the loans back from all of this. If it wasn’t for the ridiculous amount of time people are waiting to get any feedback, I think I would have my loans forgiven. Too little too late I supposed since I’m almost done paying them off.
I decided to go to UOP for Psychology. When I talked with my recruiter I was told about the high graduation rate and how they had one of the best psychology programs in the country and had an outstanding job placement rate. I was very taken in by all this talk and all the talk about how well respected and developed their psychology program was for those seriously interested in the field. So I applied and my financial advisor helped me fill out all my forms for my federal pell loans and federal unsecured loans so all my courses were covered. Like clockwork, every time I needed to register for classes, my financial advisor would contact me and have me apply for my federal loans. After a few years I ran into trouble with a couple of classes. I have bipolar and had difficulty with completing a couple of assignments in on class in time. I knew nothing about the fact you could ask for an extension if you thought you’d be late. In another class, I was aceing it and on the final, I attached the wrong paper. The minute the instructor informed me, I attached the correct paper and he said it looked perfect. The next day he contacted me and said he couldn’t accept it because it was received after class was over and according to the board they would not allow it. He told me to contact my advisor (who I had never had contact with) and see if they could appeal it with the board. I contacted him and he said the board said no, but if I had asked for an extension it would have been acceptable. I said I didn’t ask for an exception because I wasn’t late. How was I supposed to know I would accidentally attached the wrong paper. He said, oh well I did it once and you live and learn. But because I had now two low grades for two periods it brought down my GPA and they suspended me for a semester. My advisor put me in contact with an ADA Advisor which after talking to him just infuriated me even more. They weren’t worried about me as a person they were worried about me as cash flow. Sure enough as soon as my suspension was over, who contacts me? My financial advisor and she tells me what I federal loans I need to apply for. No one contacted me the entire time I was on suspension. 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. 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. Eventually the government garnished my wages and those loans are now paid off. Long story short (too late). Do I qualify for the dismissal?
This definitely sounds ridiculous, but I don’t think it’s in the realm of what’s required for a BDAR Discharge. To get your loans forgiven, you have to prove that the school did something illegal, like committing false advertising, lying, promising things they couldn’t deliver on, etc., etc.
There were so many lies through my time at UOP I wanted to go for psychology but wanted to make money after my associates they convinced me to do social service degree first then I would be able to become a counselor through my
Next year we’ll after doing
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. Major to psychology and then I would still be able to work through social services and take the steps to becoming a counselor after completing my bachelors degree well I was almost finished with the degree wasn’t able to find a job in social services or any in the psychology field. So talking to my advisor they reassured me all I would need is bachelors degree to be able to become the counselor I dreamed of I was five credits away and found out that I was lied to again after talking with employers they told me I would have a masters degree to ever work as a counselor. So I was finished I told them I needed to take time to think over and I was expelled for missing my attendance and have been racking up depts ever since.. I was also told I could get my loans taken down to 0$ due to not working and it would not cost five years later I find out I’ve been paying 1500 extra in jnterest. I was told I would be able to make money just with my associates and almost done with the bachelors and I work at a factory. I can’t do nothing with my degree most employers from at the school UOP as if I didn’t have any education. Do you have any advice of how to get the debt forgave or does this qualify for fraud or false advertising.. please help
Are your loans Federal or Private?
For Federal Loans – I suggest calling the Student Loan Relief Helpline, who will review your and recommend forgiveness, discharge, consolidation and refinancing opportunities. Call them at: 1-888-906-3065.
For Private Loans – I would speak to McCarthy Law PLC, a group of attorneys who settle private student debt for an average of about 40%, and who can get you a new loan to pay off the old one, at the lower settled debt amount. Call them at 1-877-317-0455.
I don’t work with ANYONE other than these two companies, as they’re the only people I’ve found who actually help the people that call them and pay for services.
I transferred from University of Everest to University of Phoenix based on the sales pitch so to speak from the UOP recruiter. However things quickly became apparent that it was not what was promised. I was ignored by both counselors and instructors. After the first few weeks of this I submitted a request to withdraw from classes and was still ignored……. This was all the way back in 2009 and I don’t have much documentation left anymore. I did fill out the Borrowers Defense to Repayment Application in 2017 and submitted it. I have yet to receive a response from the Dept. of Ed. but my tax return was garnished and then my account was sold to another collection agency and compounded with more fees
It takes forever for DOE to respond to BDAR Applications, but you’re going to need to do something since you’re being hit with collections activity now.
Take a look at some of Federal Guides, including How to Deal with Federal Student Loan Delinquency & Default, How to Use the Federal Student Loan Rehabilitation Program, and How to Stop a Federal Student Loan Wage Garnishment.
If you can’t find any good ideas in these articles, then I would try calling the Student Loan Relief Helpline to see if there’s anything they can do. These guys are experts at consolidation, refinancing, and basically fixing student loan debt problems. You can reach them at 1-888-906-3065.
This is great information! I graduated in 2010 with a masters in School counseling and private practice counseling. I am now attempting to apply for Private Practice licensure and found out that the program was not actually long enough. It was 48 credit hours and Licensing requires 60.
In logging into my student account and reviewing my loans , charges and reimbursement the system quickly cuts out and says it’s not available. I was able to get screenshots of charges. Upon comparing them to my transcripts there are classes I passed & was charged for however, was not awarded the credit.
Can you offer your thoughts on the above?
I don’t think that your situation would qualify for a BDAR Discharge (it MIGHT, but it seems more like a clerical error than fraud…), but I think you should get in touch with your school and find out what the heck happened there. I would demand that they award credits for those classes, update your program description and etc., so that it IS long enough for Licensing. 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.
Thank you for your response. It’s University of Phoenix and they no longer offer the program. They very much did inflate the information they gave me. They actually filled out my FAFSA for me. I did not realize that I was getting into so much debt for a program that I could not get license through.
I would definitely pursue the discharge in your case. I think you have a clear case of wrongdoing here.
I chose UOP because my husband was active duty in the Navy. I had a BA in English and I wanted to be a middle school special education teacher. I ended up earning 3 MAED – YES!!! – THREE MAED from UOP, one right after the other during the years of 2004-2011. I was ignorant to the process. The first MAED program was for curriculum and instruction with NO student teaching practicum and NO teaching certification aspect. The next was a MAED in teaching secondary education. It did have a student teaching practicum and lead to my teaching certificate but only in 4-12 English, which means my marketability was only to be a general education high school English teacher. This was in 2007 and I literally couldn’t find a job, and especially I wasn’t qualified to teach in the special education classroom I wanted to be in… So then I started another UOP program – THE ONLY ONE I SHOULD HAVE EVER DONE! – for a MAED in Special Education with a student teaching practicum leading to a teaching credential in K-12 Special Education. With a k-12 special education teaching certificate I can teach any subject to my special education students. I did not need a MAED in secondary teaching for English certificate or MAED in that content, and I especially didn’t need a MAED in Curriculum and Instruction. I owe over $100,000 in student loan debt because of those 3 programs at UOP. All in all, I feel like a complete idiot laying it all out like this… Having 3 MAEDs is humiliating and embarrassing and I try not to tell people because they always ask, “Why do you have 3 MAEDs? No one needs that many.” I am going to apply for the student loan discharge. And thank you SO SO SO much for writing about this… If you have ANY feedback, or advice, or anything you can offer me, in this process, then I’d be so grateful. Thank you again for all !!!
Good luck Erin! Make sure you follow the instructions in my Guide when completing the BDAR Application. 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!
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. Do you think that email would help support my claim?
I would definitely include that! I have to wonder how they could prove that number, and whether or not that was one of the things that got them in trouble. I would certainly try to use this in your BDAR application.
Hey Tim, I recently ran across you site after , looking for information on student loan forgiveness. Anyway I attended U of Phoenix online from December 2007-July 2010. I completed my associates in It/ networking but had started in my Bachelors of science, I was told that I would could make 50k to 80 k in my field, Also they lead me to believe that I would find a job within 3 months after graduation. Now I’m 80 k in debt bc I can’t afford to pay back the loans. One of my counselors even told me that I could work for U of Phoenix after I obtain my associates degree. Which was a lie. I accused my financial counselor of fraud because after my first semester my tuition kept going up and she gave me some excuse about fees and online access. I was so frustrated I contacted the inspector General of education via email. I still have access to emails , transcripts what I don’t have is promotional materials .and enrollment forms. Would this information help me to qualify. Or do I need to add more?
The fact that they told you you would make $50k – $80k is definitely what you should focus on. The promise of finding a job within 3 months after graduating is good too, so be sure to include that as well.
The promise of getting a job with the school is a little crazy also, and that could certainly be used too.
I think you’ve got a pretty good case here, but I’d still look for more details. 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. It’s worth spending an hour or two on this because it’ll really help your case!
Have you had anyone actually get loan discharged by this?
I enrolled in 2011.
If you Dom, do you have the proof they used in the application?
Willing to pay $ if it gets discharged,
Yes, people have come back and reported they had their Borrower’s Defense Applications approved. You don’t have to pay anyone – you just need to follow the advice in my Guide.
Thank you for writing this article!
When I took their bait was 20 and a stay at home mom with 2 babies while my husband was in then military, in 2006. I finished the program in 2009 for my AA in accounting. I was told by their staff that I would be able to get a job immediately after graduating. They told me how amazing their school would be for me. I believed them because I was young and naive. Since then I’ve never been able to use my degree. I’ve tried. I wish I could give it back. I wish I had never gotten in that school. I paid a lot on my loans, but we had a financial crisis in 2014 that kept me from being able to pay. It’s a big stressful mess now. I don’t want to pay more, but I also can’t afford to.
I am still a homemaker. Partially because it’s my calling and because the degree has done nothing for me. My friend who attended a brick and mortar school tried to warn me when I was already deep into the program. I had hoped she was wrong. She wasn’t.
Any advice for me?
You’ll need to make MUCH more specific claims than “get a job immediately after graduating” or “how amazing their school would be for me”. Those sorts of statements don’t constitute fraud. Read my post again to see the sorts of things that DO, and which you SHOULD be using in a BDAR Claim.
Hi. 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). And had no other option. I was informed by UOPX that the GI Bill would not cover costs and needed to take $18000 I student loans which I did until my GI Bill kicked in. My loan has been sold several times. I applied for relief from this site and now my loan is on Administrative Forbearance and not sure what that means. I cannot get this monkey off my back. I appreciate all your comments for all of us in this situation.
What do you mean you “Applied for relief from this site”? Having your loan on Administrative Forbearance could be a good thing, or a bad one. Sounds like you filed a BDAR request and your loan is in Forbearance while the Department of Education reviews your case?
Yes, you are correct…it was a BDAR request. I apologize as I forgot what it was called. About a week after applying, my loan went into Admin Forbearance and didn’t know if it was related to the request. I’ve been in Forbearance before but because of employment/financial issues relative to military life. I appreciate your response. Thanks. Tom
Currently, I am enrolled at UOPX. Can I file for Borrower’s Defense to Repayment Program? Similar to previous post, there were talks and false promises.
Yes, absolutely. If the school made false promises and committed fraud against you, then you should submit a BDAR Application.
how do i apply they took my refunds and im worried they will garnish my checks soon??
Apply for what? Did you read my entire post? I know you didn’t, and I’m not going to help you unless you do.
Look at my page about Stopping a Student Loan Wage Garnishment for details on that front.
Would it be best to hire an attorney to help file this paperwork correctly? I am drowning in student debt left by the empty promises of UOP. I was fed all the lies that others were as well. I graduated in 2009 and the interest just keeps on adding up. Already 20k higher. I can’t imagine how bad it will be. I’m on income based but 20 years for forgiveness. Imagine the debt then. I would like to apply for forgiveness. Can you send me the direct link? I always worry about scams.
Thank you for your help
If I were writing a BDAR Application I would pay a specialist of some sort to help me with it. I think that’s a great idea, but you’re going to need to find someone who has some actual experience in this too. Let me know if you’re able to locate an expert because I would love to have someone I can refer my readers to.
The direct link to what? BDAR? Go here: https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/borrower-defense
Hi There Tim, I graduated with a MA from UOP in 2005. What a bunch of hog wash they feed me. 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. NOT. Here is my question, I applied late in 2017. In Dec of 2018 I emailed to see if there was an update and did receive an email back stating this
“We are continuing to evaluate your application. Once a decision has been made, you will be notified. If it is determined that additional information is needed, we will reach out to request that information from you then.
If you have chosen to have your loans placed on forbearance or stop collection activity, we will continue to notify your servicer to extend that status while your application is under review.”
I called today and they do have it still, but they can give me no update. I understand that funds for UOP have been appropriated from your website. Do you have any idea how long it actually takes.
Thanks from fellow cowgirl!!!
Sounds like a pretty typical story from around this time period – the early 2000’s and into the mid 2010’s was a time where for-profit schools ran wild with all sorts of illegal and fraudulent activity.
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. I hope you explained those parts VERY clearly in your application, giving details about exactly what was said, who said it, and especially how it impacted your decision to borrow money for the school, because that’ll basically be the thing that determines your approval or not.
I wish I could give you an idea on timing, but I’ve been hearing all sorts of things, from people waiting 2+ years to hear back on their initial application, to others who got a response right away. My takeaway is that the DOE is a complete mess and that this program is really still being put on the back-burner by Betsy DeVos. I wish I could give you a more positive outlook, but for now all I can offer is “Hang tight” and keep your fingers crossed!
Should I continue with my lawyer. I was a victim of fraud in their online program from 2007-2010? Or how do I join the ongoing lawsuit against them? They have some nerve to do this to so many people and put them in serious financial debt .
I graduated UOP several years ago, and can attest to experiencing the drastic number of fellow colleagues that became the horrific percentage of non-graduating students. It was disheartening at the time and horrific seeing the TRUE numeric data now! I have a quick question pertaining to my specific situation. I was/am one of a rare group evidentially that made my way through to receiving my 4 year degree without borrowing any money. Are there any options for me to seek a refund due to those same claims that were make erroneously to me; however, I simply handled my finances in a different manner?
Last, thank you for all your support, time, effort, and energy put into such an important effort Know that you are helping to truly make an enormous difference in people’s individual lives!
Unfortunately, I don’t think you’re going to be able to qualify for anything in this case. It’s really, really hard to even get a BDAR Discharge for debt that’s still outstanding, and even more difficult to get refunds for debt that’s already been paid off. 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.
This is great information! I am not sure if I would qualify but I got my Masters in family counseling in 2008, I was told that I would be making anywhere from 50-60k, and they would assist with job placement. Neither of which is true, I was able to get liscenced with my degree and found a job (on my own) but found it odd that as a family therapist I had to take a test that kept the community counseling program CACREP accredited, they told us that we didn’t have to pass, but luckily I did because they actually pulled you from the program if you didn’t, until you passed, despite this not being part of our program. Would I still be able to qualify?
I think you may have a shot at qualifying because of the promise of making between 50-60k. Schools are NOT allowed to give you a specific estimate, even a range, for potential income, so I would focus on that in your BDAR Application.
I was told that by the university of Phoenix that over 90% of their graduates find a job within their field and they have high graduation rates . Also , that they have always been a fully accredited school . I was told that there will be a few group assignments but I had them in all my classes and my grades were always contingent upon the groups efforts. Then, I was told that they don’t accept everyone Into the university and I see they have a 100% acceptance rate. Has university of Phoenix always been fully accredited and will any of these things qualify me for the borrowers defense?
That claim definitely sounds like the sort of thing that would qualify you for a BDAR Discharge. 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. I’d definitely pursue a BDAR discharge here.
I received my BA from UOP in 2017. I am now $30k+ in debt with student loans. I have a few emails from my then Financial advisor, asking me for additional funds stating that my “pell grants” do not cover the cost of classes and I would not be able to attend class if they were not paid asap. 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. Is it typical for advisors to ask for payment upfront in order to attend class? even though I have grants and financial aid? I feel like I am still paying those classes now through Navient? This whole thing is very confusing to me.
What type of documentation would suffice to submit an application for BDAR?
That’s not fraud. That’s the school telling you that you need to pay for services before they’re provided. You won’t qualify for BDAR if this is all you can put on an application.
I went to The University Of Phoenix from 2005 to 2007. I paid off all of my tuition fees and loans. Is there a way I can get a full refund of everything that I paid to the University of Phoenix?
This is very, very unlikely. Refunds are almost impossible to get.
What if you only went to UOP for 2 years?
Time spent at the school doesn’t matter for these programs. Closed School Discharges and Borrower’s Defense Discharges are all about getting rid of whatever debt you have from your time at the school, whether you spent one semester, or 10 years studying there.
What if a bachelors program was closed right before hitting the 2 year mark? 49k in student loan debt for an associates degree in web design.
Is this what happened to you? You were still actively enrolled in the program at the point that it shut down? If the program you were enrolled in closed before you could finish off the required credits, then yes, you will qualify for a Closed School Discharge.
I attended UOP back in 2009. I was told by the enrollment advisor that that business degree could take me anywhere. I could do health administration, news reporter etc… that wasn’t true. Also , I was told that there was team assignments , but not all the time. I had one every class . I transferred out because I got tired of all the team assignments. It effected my grades.
These don’t sound like fraud claims. I think you need to do a little more research and come up with a better argument if you’re going to get a BDAR discharge approved.
Hi! My husband and I came across this article researching fraud commuted by uofp and looking for legal representation possibly. Both my husband and I got our AA from uofp in 2013. We were told and confirmed the school was regionally accredited and that our credits/degrees would transfer. My husband is now going back to school at a regionally accredited university and credirs only transfer as electives! NO major units transfer. We have spent a few months trying to finad a regionally accredited school to accept his AA credits and they will not! We have 80k between the two of us and he now has to start all over! He is unemployed and I am underemployed and we have two children to support… This school needs to be closed for good!
I researched everything when I started with uofp … My husband amd I werent actually together but were in the same orientation meeting where we were all told the same things! Good grad rates, good return on investment, job market data etc . 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 ! They need to held accountable for lying and not holding their curriculum up to accredidation standard ! I’m hoping we would have a case here ….
To get approved for a BDAR Discharge, you have to accuse the school of committing some form of fraud. Not being able to transfer credits isn’t quite fraud, so I would not focus on that, unless they specifically said that all credits would be transferable to any other school – that would be a lie, and fraud, so then you’d be able to make a claim against that.
I would probably focus on whatever was stated in terms of good graduation rates, return on investment, etc. You need to prove this school lied to you, knowingly, in order to trick you into borrowing money to attend their program. The more evidence you can provide, the better. Make sure you read my ENTIRE POST so that you can see the examples of the types of things that help.
I found tour website last night. Lots of good information, thank you! I enrolled in UoP in 2009. Got the Associates in 2014 and just graduated with a Bachelors beginning of January. It was so long ago now, but I do remember that the job placement and graduation rates were good. I’m curious if they defrauded me! I am 55k in debt paying now $515 per month. Plus they never told me that my loans wouldn’t cover the whole program. Do you have any thoughts or advice for me?
You’d need to remember or find evidence of the job placement rates or graduation rates claims and explain how those impacted your decision to borrow money from the school. If you could find those details, you’d have a solid shot at a BDAR discharge. The other stuff you mentioned doesn’t matter. Try using the Internet Archive’s Wayback Machine to look at old versions of the website and see if you can find any illegal marketing claims. Also, look through your old emails, and think about old conversations you had with enrollment counselors. You’re definitely going to need to accuse them of having done something illegal in order to get a Discharge approved.
Started UOP December 2013. January 2018 I went into the hospital with an illness with eight classes remaining for graduation. After 2 weeks of stay with an approved LOA the doctors informed me that I would not be able to work the rest of my life. Called UOP explained the situation and I was taken out of school temporarily, they refused to do a permanent withdrawal. I filed for a student loan discharge due to full permanent disability and was approved, 47 grand in loans. Was contacted by a collection agency in November 2018 stating I owed 2900 and change. I told them my loans were from the government and they had forgiven me and I owed the university nothing. Also, I now receive SSDI and they can’t touch the little I get. So either take me to court or cease the collection attempts. The collection agent stated just because I was disabled didn’t forgive my debt. I stated prove my debt and she answered, you will receive it in two weeks because of the holidays. Three months later and nothing, except a charge off on my credit from UOP for nonpayment of an unsecured loan. They have yet to prove any debt. They have done nothing but lie from the beginning.
Yeah, if you received a Total and Permanent Disability Discharge, then you’re in the clear.
It’s possible that you had private debt in addition to your Federal loans, and perhaps they’re trying to collect on that? But it sounds like they’ve just got their lines crossed and are harassing you without any real claim.
This happens, relatively regularly. Good for sticking to your guns and DO NOT pay them a cent unless they can prove you owe them something IN COURT.
Hi Tim (and everyone), Thanks for all the information. As a teacher with UOP (since 2000) I am very sorry to basically see UOP imploding. The faculty that I have known (and still work with) are very talented and dedicated to their students. And as you may know the pay for faculty at UOP is minuscule (but as a teacher I am use to that). Anyway, I have a quick question. I am not sure where I read this but it was some statistics on total amount of student loan/debt by college and/or university. This was in the billions of dollars per school and UOP was way, way higher then all other schools. This got me thinking about, not only how much money UOP makes (now owned by several private international investment holding companies), but how much money the creditors (banks) make, especially when you figure in the interest. Do you know any thing about this, i.e., total students debt per school/university? Thanks.
I don’t have access to that data, but I would try Googling around for it. Total outstanding student loan debt is now over 1.5 TRILLION dollars.
Thank you for getting back to me so quickly. On an old 2015 article, I found this statement: “There is perhaps no school [UOP] as infamous as this one for its catchy ads — and clearly they [UOP] have worked in getting students to enroll. 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. And I can tell you that UOP does not pay their part-time, intermittent, marginalized faculty diddly-squat (so they don’t get much of the borrowed money). What a nasty scam this whole student loan business is. How could our legislators allow this?
I was told by uop that my financial aid was sent back and that now I owe them. They want me to pay for courses I didn’t take (nor can they prove I did. They literally are holding my transcripts hostage and wont allow me to go back to school.
Contact the Student Loan Ombudsman Group to ask them for help resolving this. They offer free legal advice for student loan-related issues like this.
This happened to me as well in 2012, except I was a struggling single parent who begged my advisor to withdraw me from classes when I lost my job and needed to focus on finding a new one. 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. They said they sent back my student aid to the feds and yet UOP still charged me for the courses I NEVER even attended!!! I was shocked when it showed up on my credit report. 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! They completely frauds me and kept me enrolled in classes I told them to take me out of and I never even attended…I am now permanently disabled and can not afford the $3,000+ collection on my little SSDI to have my transcripts released. Any suggestions greatly appreciated…
If you’re permanently disabled then you need to look into the Total and Permanent Disability Discharge Program. Go to the official Government website here.
Joel, This is crazy! I received My Federal Student Loan back in 1996! I never visited the enrollment office or anything! They simple just had us fill out paperwork! Navient talked me through at least 3 forebearance periods! Today I still owe 4 more years on my loans! The Federal Loans was divided by Navient into 7 separate loans at anywhere from 7-8.25 percent! It even says on my loans congress sets the interest rates! My problem is I didn’t take good notes and believed they were doing what was in my best interest!!! Lol.. Right?? Any recommendations?????? TY
You should definitely look into the Borrower’s Defense to Repayment Program because you may have a shot at getting an approval here, but you also may end up getting something as a result of the big lawsuits against Navient.
I’m sure I cant qualify for this but I attended UOP back in 2011. I did not graduate but when I was talking to my counselor they made it sound like I wouldnt have to pay anything because of my federal grant. They also made it sound like I could make more money then what teachers (that’s what I was wanting to do) were being paid at that time. They told me that my books would be covered, I had to pay for them out of pocket. I was so excited listening to everything he was saying that I didnt realize that 6 years after I stopped attending because my out of pocket expenses for books and other things I needed (including internet) were becoming to much, they took my federal income taxes and I owed even more. 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. This part is what irritated me the most. 6 years of interest build up and lowering my credit score all because they talked me into attending and I wouldnt owe any money because the grants would cover it all for that year. Like I said I know I dont qualify but wanted to get my story out there.
I definitely think that you may have a chance at a BDAR discharge if you can prove the part about the promise that Grants would cover all your costs. You need to explain where you were told this, who said it, what exactly they said, how it impacted your decision to take out loans, etc., in your application, but I’d definitely try to submit one based on this story, because those are highly illegal things that they said to you.
This is EXACTLY what I was told! I was told I qualified for special grants for low-income, single parents. Not only would my tuition and books be covered, I may also receive a small amount extra for help with living expenses. I did all of this over the phone as I didn’t even own a computer. I received a check from them and used it to pay for the laptop I got for my classes. A few years later, after I withdrew from UOP (because I realized the classes were a joke), I was shocked to see all these collections for student loans. When I tried to dispute them I was told they had an “electronic signature”. I found that funny since I did everything over the phone. I asked for for recordings and was repeatedly denied.
I would definitely pursue the BDAR Discharge in your case, it sounds like you may have a slam dunk here!
I filled out the ppw that day and got an email reply within 24hrs. I can’t thank you enough for your info! These bogus loans are the ONLY negative on my credit and I have been fighting them for so long I had almost given up all hope. I don’t know how long it’ll take to get a decision but I’ll let you know the outcome.
Thanks for coming back to let me know it helped and I’ll keep my fingers crossed for you!
I graduated with my BS and MS in 2004 oweing $69,000. Sent an inquiry to the Attorney General in North Carolina and UOPHX lied that they did not tell me they would help me with job search and that everything that was needed to know was on their website and they even had recruiters that received bonuses to the amount of people they signed up to go to college and they disputed that as well. They told me that hey do guarantee job placement to its students, but there are a wide variety of tools available to all current students and alumni. Don’t buy it and They also sent in their letter that they regret that I do not believe the benefits were attained om my educational goals. They say that they do not find no evidence to substantiate my claim that my loan should be removed or terminated due to false claims of the recruiters telling me I would make more money because company I worked for would look at me as a valuable person, Most other employers look at my degrees as a joke as well when they look at the UOPHX On-line. The recruiters also, knew I had a disabled son and they honed in on that as well that when I began classes I could possible work part time as a recruiter and receive bonuses on signing people up for classes. What about the people that worked for they that got over $170 some thousand dollars for turning them in and they had to sell Apollo Groups (I think) due to them being crooks. Why do we have to be penalized and why are they saying that I am in the wrong in their letter.. I wish I could send a PDF so you can read it, because every time I do read it it makes me madder then a jack rabbit caught it a briar patch.
If you were guaranteed job placement, that is an illegal activity on the behalf of the school, and clearly explaining what they promised should qualify you for a debt discharge.
I think you need to do a better job of explaining what illegal things the school said or did to you in your application, because your story doesn’t come across as very clear. There’s a lot of complaining about what they did, and how you feel, but not enough detail about what ILLEGAL ACTIVITY the school performed, and how that illegal behavior convinced you to borrow money for their program.
I have just recently learned of this information from you. I attended UOP for my AS and BS in early 2000’s. I was told the degrees would be a great assist to gaining a better job and since I was pregnant during the time of first enrollment I needed to obtain a better career path for me and the baby’s future. I was also told they had a mentoring program that would assist in getting a job for me once graduated, not the truth at all. To date I am still unable to fully utilize the degree I am being charged for and some employers I have interviewed with have even told me they would need my degree from a different college in order to consider me for the position. I mean the entire reason I went back to school was to get my degree and build a better future and yet I still have a mediocre job in the lowest level. I was also told by UOP that a degree in Public Administration would be a great door opener to the administrative side of the government jobs, also not the case. The counselors I dealt with are likely long gone but I do have some paperwork from my time there and possibly some original emails but as for the advertisements I do not have any of that stuff. Will I still qualify to try and get this debt discharged?
I have more than 70k owed to them and since the completion of the degree they offered I have not even made enough money to really pay anything back due to the lack of salary to do so. I am on income driven repayment plans and my interest continues to grow on the bill. This is so hard to deal with since this hangs over my head all the time and I am not able to pay it off.
Also, how can we be sure you are legitimate? No offense but in a world as we live in there are many avenues to take personal information from an already desperate person who seeks real help. Thank you for any of the information you can provide me.
I’m not sure that your story is good enough to qualify for forgiveness via BDAR. Did you read my entire post, including the section talking about the types of things that qualify you for a discharge? Their promise of “career path” growth is open-ended… not really specific enough to be a “lie” or “fraud”. You would have had to be told that you could get a certain salary, a specific job title, etc, to qualify.
The closest part of your explanation that MAY earn you eligibility is the piece where you said they told you about a degree in Public Administration would be a door opener to the administrative side of Government jobs, but again, this is a little too open-ended for me to think it’d qualify you for the discharge.
I would review your materials and see if you can come up with something stronger. See if you can find anything about promising graduation rates, or a percentage of people who find a job in their field of study, or a promise about making a set amount of money, or getting a specific job title. That’s the kind of stuff that works for BDAR.
How can you be sure I’m legitimate? I’ve answered over 3,700 comments on my site since launching it way back in 2012… does that sound legitimate enough for you?
I sent a letter to the Attorney General and they got in touch with UOPHx and they called me a lier about what Angela was saying promising me a good job along with other things I confronted them with. Not through talking to the Attorney General, probably will not do any good. Crooked recruiters, more people sign up they get bonuses UOPHX disagree and I know it was true they said I could do it once I was accepted as a student. I have more. Thanks, Sarah Bowman
Hi Sarah. Thanks for your comment and sorry you’re having such a bad time with them. I would definitely speak with the Attorney General if I were you, and see if they can do anything to help.
Hi. Unfortunately, I am currently enrolled in UOP and although I qualified for granys and loans and even maxed out on the loans, I just got an email ststing that one of my courses has a balance when I was specifically told I would not have an out-of-pocket expense also I had said that I wanted to change my major and I was discouraged to do so saying that it would somehow mess up my financial aid I’m currently $16,000 in the whole it’s the only thing on my credit and these people want more money from me I don’t want to continue my education with them I want to apply for some sort of relief can you suggest what I should do next?
The thing to do would be looking into the Borrower’s Defense to Repayment Program to see if you could qualify for a BDAR Discharge.
I was told if I signed up for the Criminal Justice Bachelor’s program in 2013 that I would be getting a special rate of only having to pay for an Associates Degree. 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. This was the only reason I chose UoP. I have my Bachelors degree now, as of July 2018. My loan payments are due starting next month, and I have over $57k in loans. That does not seem right for an AA. Is there anything I can do about that? My loan is through Great Lakes.
You would need to actually find out what the AA costs compared to the Bachelors, and see if there is truly a difference. If there is, and you’ve been overcharged, then you would qualify for a BDAR Discharge if you can prove to the Department of Education that you were lied to, and basically sold a bait and switch sort of package.
This was a chat conversation I had with them last April, does this hold any water?
I’m not sure if this is enough to work. I mean, you are showing that yes, you were charged more than the Associate’s Degree, but you need to prove to DOE that you really were told that your program would cost the same as the Associates, thus you were overcharged, thus it was a bait and switch form of fraud. I think if you can prove that someone told you you were only supposed to be charged as much as an Associate’s Degree, then you may have a case here.
I attended UOP for both undergrad and grad from 2009 to 2015. When I couldn’t find work with their undergrad degree they lied to me and told me an MBA would help. So I got an MBA, it turns out both degrees are useless! I have been unemployed since 2010 the day I graduated from my undergrad with Phoenix. No one wants to hire me. I do odd jobs just to stay alive! I can’t believe the government doesn’t shut them down? I racked up $95K in student loans. I am stuck with this debt that will take a lifetime to pay off. I went to UoP because I was told they had a great program that would help me get a better job that paid more with an MBA. Don’t have any docs from previous attendance, can anyone direct me to actual old school ads, etc?
Try searching Google for some creative things and you may be able to surface some of their older stuff. Also, take a spin through the Internet Archive’s Wayback Machine. You can plug in any domain on the web and look at old versions of their website. You may be able to navigate through the old site and find some of the promises you remember hearing.
To tell you the truth though, I think a compelling, detailed explanation of exactly how you were defrauded would win an approval. 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.
If you can provide very specific details about illegal behavior, I think you’ll be able to win an approval for a BDAR Discharge. It all hinges on your ability to convince whoever at DOE reviews your application – remember, you’re writing this for a human being, but it’s a legal process, so you need to be SUPER SPECIFIC about exactly what was done to you and how it impacted you!
Thanks for the information. I attended UoP from 2005-2008 and received my MBA and racked up around $65k in student loans. I can not attribute any of my employment to my Masters and even though I make more money than I did back then I am stuck with this debt that will take a lifetime to pay off. I have done every type of forbearance I can because I need the money I make to take care of my family. I finally had to start paying (income based payments) last year and I haven’t missed one payment. I went to UoP because I was told they had a great program that would help me get a better job that paid more with a MBA. I looked a the Borrowers Defense Application and it asks for literature from the university or what they sent me back then that made me think this way. Kind of hard to produce since I was there 10 years ago. Any advice?
It’s not easy to find the specific literature, but what you can try is looking through old emails, using the Internet Archive website to search through old pages of the school’s website, and see if you can find anything out there. You may even be able to Google around to find pieces of evidence others have collected and are sharing. I can’t point you to anything specific, but I bet you can find something that’ll work.
The other advice I have is to make sure that you’re VERY CLEAR about what you’re claiming. Even if you can’t find an actual screenshot or copy/paste from an email – I’d try including exactly what was said, what context it was said in, who said it, where this happened, when it happened, and to give an explanation of how the promise impacted your decision making in terms of being the thing that convinced you to take out the loan.
I think BDAR Applications will get approved without any hard evidence, as long as the specifics are enough to convince the DOE reviewers that there was an actual fraud committed against you, personally.
Hey there Tim.
So I’m having the same issue locating the Corinthian link. I follow the steps and takes me to section II where it has only 3 select schools to choose from. Is there a link hidden up top or some obscure place. Could really use the help locating it.
Weird – this is the first time I’ve been getting reports about the links not appearing properly. It’s possible that DOE has taken them down temporarily for some reason, perhaps they’ve been getting flooded with emails? I’ll see if I can figure anything out, but honestly, your best guess is about as good as mine.
I’d try contacting the Department of Education directly and asking them where to access the paperwork.
Does the UOP School of Advanced Study (SAS) qualify for this? I was in their doctoral program and was almost done when I caught on to their scam. Now not only am I thousands of dollars in student loan debt, but I’m also ABD (All But Dissertation)!
I can’t speak to any specific school or program, but I would assume that yes, EVERYONE is included. Any school who violates the law with some kind of illegal activity like false promises or fake advertising can be attacked via Borrower’s Defense.
My claim would be false certification. I started UOP in 2012 and two years later after a break I was denied re-entry due to the school where my highschool diploma was obtained loosing accreditation. My highschool was not valid, my entrance counselor told me to appeal since I had already completed credits. I did and was allowed re-entry. I have the denial, appeal and re-determination letter granting my entry all why still not having a valid high school diploma. Is this a valid claim?
This does not sound like enough to qualify for a discharge. Sorry, but I don’t think you’ll get approved if this is your story. Consider contacting the Student Loan Ombudsman Group to ask them if they think this will make you eligible for the discharge. They are a group of attorneys who are backed by the Federal Government and who are authorized to provide legal advice on student loan-related issues.
Thank you very much for this post and for the forum to ask questions. Several people I know have had terrible experiences with UoP involving misleading claims, predatory recruiting processes, and outright lies for profit.
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?
To my understanding, FFEL loans are not eligible for discharge by Defense, but can be consolidated into Direct loans which are eligible (see https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/borrower-defense). However, consolidating is not necessarily advantageous financially, as keeping the separate FFEL loans allows one to pay down the loan with highest interest rate first (after satisfying principal and interest on all loans, of course), whereas consolidating results in a loan with a single, weighted-average equivalent interest rate.
Must FFEL loans be consolidated to Direct loans BEFORE filing for Borrrower’s Defense, or can that be done if/when discharge is granted?
Can borrowers whose applications are granted be repaid for loan amounts that were repaid on FFEL loans prior to application?
Very interested in your take. Thanks, again!
Thanks for the question, and my answer would be that if you are SURE about your chances of receiving an approval for the Borrower’s Defense Discharge, then I’d consolidate. Right now, with Betsy DeVos at the helm, I think it’s a risky proposition. If you’re basically able to repay your debt without feeling like it’s totally killing you, then I’d keep paying, but making the minimum payments, and hoping that the Democrats win in 2020 and replace Betsy DeVos with someone much more amenable to the needs of ordinary Americans.
I went to the Federal Student Aid page to fill the Borrower Defense loan application, but is only available Corinthian College (Everest, WyoTech, and/ or Heald).
You clicked the wrong link. There’s a section at the top of the site about Corinthian, and then there’s links to other areas beneath that, allowing you to file a BDAR application against ANY school.
Hello and good morning,
University of Phoenix (Corinthian) was my school.
So I am on the Borrowers Defense/ Student loan page and I see the Menu up top, and at the bottom is the submit button.
Once clicked on it has the Section 1 where your personal information is input and then at the very bottom it does ask about Corinthian College. I click the (Yes) and submit.
It takes me to the Section 2 where I do not see Corinthian college anywhere in the list selected nor any link to it. Am I just missing it?
I’m sorry, but I can’t really help with technical issues. Try contacting someone at the Department of Education to see if they can offer some support on this. I’m going to look into it and see if there’s some sort of non-reported pause on BDAR applications, but I haven’t seen anything like this in the news, and I think it’d be widely reported if there were serious issues. My guess is that you’re in the wrong spot, or missing something.
I am reading in some articles that only Direct loans qualify for this. Is this true? I graduated from UOP in 2003 and have my loans through Nelnet. How do I know what kind of loan I have?
Only FEDERAL loans are going to qualify for this. You need to find out if your loans are Federal or Private. Direct Loans are a subset of Federal loans, so if you have a Direct loan, then you’ll qualify. The easiest way to figure this out would be to call your loan servicer (Nelnet) and ask them directly.
I attended UOP in 2010 and thought it funny that although I only worked a part time job I only received 79 dollars in student aid and had to take out loans to pay for the rest. I also had credits that transferred from a community college and it still cost me 17000 for an associates from them. I also believe that I was made to take more classes than required. Would I be able to apply for forgiveness?
You need to prove that you were defrauded in some way. Your story doesn’t have the right sorts of claims that would lead to a discharge. Read my entire post to see the types of claims that would qualify for a discharge.
The forgiveness is taxable income???? WHAT??? So lets see…UOP lies to us and gets us to receive loans on an education that is worthless. Changes classes on us after we have gone into the program so that we can’t get the degree we signed up to get. Tells us that we will get GREAT jobs when we graduate. Doesn’t lift a finger to help us get even a decent job. Obviously through deceptive advertising and lying to the government violated state and federal laws to obtain money fraudulently from the government for a poor product. Now when the people that have been lied to, deceived and essentially RAPED get forgiveness of the loans they have been scraping to pay on for 10 years. Now we have to pay taxes to the IRS for the money we NEVER RECEIVED BUT WAS STOLEN FROM US???? HOW IS THAT FAIR???
I agree with you entirely, but the IRS is basically calling all the shots on this thing. Hopefully enough people become aware of the taxable income issue that it gets altered in the future, but for now, almost nobody is even aware of the threat.
God bless you for this information. We perish due to a lack of Knowledge and DECEPTION. Its shameful for these schools to prey on the impoverished who are only trying to achieve a better life. I’m going to fight with everything I got which includes reaching out to the Student Loan Ombudsman Group as per your suggestion. I truly hope that EVERYONE with legitimate claims gets relief!!
Good luck with everything and please come back to let me know how it goes for you! The Ombudsmen Group should take great care of you and it’s always nice to hear about happy endings!
Is there any refund program or hope for people who graduated from UOP using the GI Bill?
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. What I’d do if I were you is contact the Student Loan Ombudsman Group, a group of Government-backed attorneys who provide free legal advice on student loan-related issues, and see what they think is your best route to try and recoup your benefits. These guys are the true experts in student loans, they have full Federal Government backing, and they don’t charge anything for their assistance. Google their name for their contact info, and good luck!
Did you ever contact the student loan ombudsman group and if so, what did they say? I also attended UoP and used my husbands Post 9/11 GI Bill and now I am running out of benefits because I wasted them at UoP.
Yes. Contact the VA
I have to admit, I am very skeptical about all of this due to the scams you referred to in your article but I have got to do something. I started researching schools in 2009. I Narrowed it down to 3. UOP, Colorado Tech, and Ferris State. I was contacted by enrollment counselors from all 3 and UOP sold me the best stats and even promised they would provide job placement in my own area. I was also told that their graduation rate for online schools was the highest in the nation with a more than 90% job placement rate. They even provided me with statements from UOP graduates and claimed the she, herself was a graduate of UOP. So naturally, I was sold. When I finished my associates degree I asked my academic counselor about job placement and all she did was email me links to different job search sites. After several months I found a job on my own, not in my degree field and continued with UOP for my bachelors degree. I was one semester away from finishing and my financial counselor conveniently overlooked an important document that I was supposed to sign electronically. He sent it to me and said he got me a 10 day grace period. This document was supposed to lock in my tuition rate. I signed it immediately and sent it back. 3 days later all my classes were blocked due to lack of funding. I called my financial counselor and he said the the dates were still wrong and we didn’t get it filed in time. This resulted in my tuition almost tripling. In order for me to finish my degree I would’ve had to take out another $27,000 (for one semester). I immediately left UOP and began looking for schools that I could transfer to. Unfortunately, because of the wording used in UOP class descriptions, only 12 of my 88 credits were transferable. Because of this, I never finished my degree. I attend school now but only because my employer offers an 80% tuition reimbursement program but in a different career field. I am now $70,000 in debt with student loans I would never have taken out had I known even half of what I do now.
Wow – this sounds like something I would want to have an attorney review. My advice to you is to contact the Student Loan Ombudsman Group, which is a Government-backed group of Attorneys who offer free legal advice on student loan-related issues. Google “Student Loan Ombudsman Group” for their contact information, and you’ll find it easily.
Ask them if this opens you up to eligibility for a Borrower’s Defense to Repayment Discharge. There’s a very good chance that you may qualify for one just based on what you explained here. Also – remember that all sorts of other things can make you eligible as well, like if UOP promised you job placement, or a salary level, or a specific job title.
There’s lots of ways to use the BDAR program to discharge your loans, so make sure to read my entire page on the process and see if any of those other pieces apply to you, even if this delay and upcharging doesn’t work out.
Tim, thanks for having a forum for some questions. Mine is I was going after an associate degree in health care management and UOP counselors guaranteed that all units would be transferable to a 4year college for a nursing degree well you know what happens only 3 units were accepted as and I wasted 2 years and tens of thousands of dollars to UOP and then had to start my degree program with only 3units of credit. I truly believe this was false advertising. Any thoughts…. thanks Don
I’m thinking you may be eligible for a Borrower’s Defense Discharge because of the promise that turned out to be false. I don’t think the school was allowed to say that ALL units would CERTAINLY be transferable to another school. That sounds either outright illegal (false advertising) or very, very close to the line of what’s allowed. I would pursue a BDAR discharge if I were you.
So when I decided to enroll towards a MBA, which I did get in 2014, and the recruiter explained the graduation rate of 90+% and the job opportunities that are available for UOP graduates are better because of the number of graduates in significant positions throughout the country would be sufficient rationale for filing a claim?
I have a bachelors in Criminal Justice and 20 years in law enforcement. Needless to say I am still in law enforcement as I cannot use my UOP degree anywhere and even the most basic account jobs I applied for I do not even get an interview opportunity. Long story short, my MBA from UOP is useless and would have never attended have I known the truth
Yeah, that promise of 90%+ graduation rate is pretty close to the line of what’s allowed, and may be enough to qualify you for a discharge. What did they say, exactly, about job opportunities available to graduates? Did they promise a certain role? Leadership or Management? A certain salary? A range of salaries? Job placement in your field of study?
Those are the sorts of things that definitely qualify you for a BDAR discharge.
University of phoenix has now started calling me on behalf of great lakes lenders. I asked them why. Are you scared i may seek to qualify for relief after you bilked me out of thousands of dollars? I was lied to. Told i could get a license as a social worker. When i figured out this was not true, i promptly switched schools.
If you were lied to about eligibility for employment then there’s a chance you’ll qualify for a Borrower’s Defense to Repayment Discharge. I would look into submitting an application as soon as possible!
If my total debt is about to be relieved by reason of mental disability and being on ssdi can I still get back the overpayment relief. And I have never had to make a payment do I qualify?
You MIGHT be able to qualify for a refund on overpayment, but the odds of getting that are honestly pretty low. In most cases, what I’m hearing is that people are having outstanding debt forgiven, meaning they don’t have to make any more payments, but very few are qualifying for actual refunds.
Not only was I told the graduation and job placement rate was over 90%. But as I was continuing my bachelor’s units I was told my program of study was no longer available. My original degree was criminal justice with a concentration on human services. And they wanted to change my major to liberal arts. Needless to say i didn’t finish my degree with uop.
The good news is that this promise of a job placement rate being over 90% is HIGHLY illegal, and entitles you to a Borrowers Defense Discharge all on its own. I would highly recommend filing a BDAR application and focusing on the claims made about graduation and job placement rates. Tell the story about your program being discontinued as well, but focus on these claims and make sure to state EXACTLY was they told you or promised as a direct quote. Be as specific as possible!
Okay so i plan to fill out the form and send it in uop told me they did job placement after i completed my program and after i completed my last class i never heard from them again. They also convinced me that i would be able to get a job with my certificate but all the jobs i have seen in my field they want expirence so i owe all this money and cant even get a job. There are also many other things they lied to me about such as my payment, if i paid what they said i could id be paying for the rest of my life because i would never get the interest paid. Do you think i have a legit claim?
You need to be able to claim that they did something ILLEGAL to you, and what you’ve written here does not sound specific enough to me. I would try to tighten up your language and list actual quotes that were direct promises made by them. What EXACTLY was said about Job Placement? What EXACTLY was said about being able to get a job with a Certificate? Did they promise some set percentage of graduates would find a job in the field? That is illegal. You need to write something more specific than what you included here in your comment because this sounds too vague in my opinion.
What did UoP tell the government it’s job placement rate was? The UoP recruiter told me it was over 90%! I guess my question is this: Do I need documentation of their actual rate? Or is the public knowledge of the goverment’s own allegations of this inflated rate enough evidence on own?
I don’t think you need specific documentation of the job placement rate, but I’d look for ads, email copy, anything you can find that may speak to that point. Try Googling to see if anyone else has already come up with the assets that you can use.
You can also try looking at the Internet Archive’s old copies of the UoP website to see if it was listed anywhere on their site, perhaps in marketing copy or sales copy, and that would be perfect as evidence.
Honestly though, I think just clearly detailing EXACTLY WHAT WAS SAID TO YOU may be enough, because I’m sure that the same story is being repeated over and over again from other users as well. There’s a pattern of behavior here, and your claim is just one more on top of the already massive pile of others making the same assertion.
What kind of documentation do I need for this process?
Read the post, it’s all explained in the details. The most important thing to document is clear evidence of the school committing some kind of illegal behavior, like making a false promise, false advertising, etc. If you can prove they committed fraud against you, you’ll be all set.