If you dont qualify for a Borrowers Defense Discharge, then the good news is that you may have another path to forgiveness via the simple fact that Kaplan is no longer operational. in Columbus Ohio. These are real, legitimate loan forgiveness programs created by the Federal Government and designed to help former students of Kaplan University receive loan forgiveness. That you were guaranteed to find one in your field of study? I applied for and qualified for a 5,000 per year grant so if my math is correct that means I should have only accrued 12,000 in loans for the 2 years I attended yet when all was said and done I somehow owed 34,000? Tim's experience struggling with crushing student loan debt led him to create the website Forget Student Loan Debt in 2011, where he offers advice, tips and tricks for paying off student loans as quickly and affordably as possible. They didnt care and listed the required document as waived on my account and told me to start the enrollment process along with financial aid. Thanks. I was also pressured to sign up rather quickly and wasnt given a chance to investigate grants or other student loans. Got laid off during recession and no work for 2 years and didnt hear anything until last month and now sent garnishment letter again. long story short I was called back to my job prior to having my child and thought I would be able to still work and continue my classes but it got to be too much and I couldnt afford to quit my job, so I quit my school. Please be careful about getting your information from anywhere else! If any of this sounds familiar to you, then you need to apply to the Borrowers Defense Against Repayment program because youre absolutely entitled to claim student loan forgiveness since your loans were created based on deception and lies. The way it works is that it provides an avenue for you to get your loans legally discharged if you can prove that they were only taken out because the school, student loan lender or servicer did something fraudulent that convinced you it was a good idea to borrow the money for their program in the first place. Some people are waiting OVER two years just to get a single response at all, letting them know that the application has been received NOT whether or not its been approved. I was supposed to take another accounting class but this was not in my curriculum catalog. I dont think youre going to qualify for a discharge based on what you told me. Hello, I am a Veteran & recently was TRICKED by a Company calling themselves STUDENT SS C-R; supposedly they are out of California, I paid them $820.00 to help me with my Kaplan Student Loan. How to Use the Closed School Student Loan Discharge Program. The school was accused and found guilty of illegal marketing activities. 2020 Caldwell University and Ed4Mil have been ordered to pay the federal government $5 million to settle allegations that they defrauded the VA by overcharging veterans for classes they represented as being provided by Caldwell while in reality they were marked-up classes from an online correspondence school. Student Loan Forgiveness Settlement Will Process 170K Applications I would pursue the not accredited part. I dont think this example youve shared is an illegal activity on their behalf, so I doubt it would work. I did not have a G.E.D or High school diploma. If you do a good job and make it crystal clear that you were defrauded by Kaplan, then your loans will be discharged and youll be able to walk away from this without paying Kaplan another cent. One thing to keep in mind is that you cant (or at least shouldnt) apply to both of these programs, so what you need to do is research how each of them works, think about your specific situation and experience with Kaplan, then decide which one will work best for you. Kaplan Resolves Lawsuit Against Dalton for Alleged Misappropriation of I had been out of work so was considering going back to school thinking a degree would help me at my age to become employable. Sounded great until I received my liberal bs diploma in 2016. After the investigation, Kaplan University had to pay around 289 students stipend checks of more than $1 million. So i made the worst mistake of my life and went into the respiratory program for Kaplan college I was super young plus I wasnt ready for a school like that I couldnt pass my classes so the first semester they passed the classes for me the second semester I still couldnt pass the math portion after a third try they passed it for me but honestly I couldnt do it so I left should would that be grounds for Borrowers or closed campus? I stayed because I was paying and didnt want to pay for something I didnt finish. My question is could I get my loans forgiven? The Kaplan University Lawsuit One of the principal reasons that Kaplan University Student Loans are eligible for the Borrower's Defense program is that the school has been involved in defrauding the US Government to a huge $4 billion, which is essentially a record when it comes to higher education scams. Then I decided to go back to school and try to transfer some credits and I was told that they would not give me my transcripts because I had outstanding balances. Did they change your grades to keep you enrolled, even though you should have been dropped for poor performance? And also does it apply to parent loans? Also my mom had to help me with getting a loan and until now she is still paying for it. They made many promises which were never delivered to me . I initially enrolled under the assumption that the schools medical assisting program was the equivalent of a dental assisting program according to what information they gave me when I applied. Robert Wainberg accused former president James Mellichamp and members of its board of trustees of conspiring to retaliate and neglecting to prevent acts of retaliation against Wainberg and former . I tried to withdraw from school a few months in because of lies i was noticing, our teachers were being terminated or fired dental teachers or front office staff would step in or somedays we would have no instructor. Well they turned in my app and about 1 1/2 years later contacted about loan, told them never went to school and explained situation. 00. Also I took a loan out for 17.000 but. The real kicker came when I approached time for graduation. As I pointed out above, you will need to link your Borrowers Defense claim to the schools legal troubles, pointing out that the school did some or several of the things mentioned in the lawsuit against to you personally, and that it was these illegal behaviors which convinced you to agree to take out a loan for their higher education program. I attended Kaplan Online University 2009 to 2011 and took out 27k in student loans and now owe 47k. This sounds like you may have a chance at a Borrowers Defense Discharge, because you were promised things that were never delivered. Wanted to know your thoughts on the fact that my wife attended Kaplan in 2008-2009. Then about two years later I started getting billed. I also made regular payments of about $300 a month from October until April when I began my divorce. The presiding judge in that case, United States District Judge Patricia A. Seitz, has said that this case involves factual allegations similar to the employment discrimination case "namely, grade inflation and pressure to admit unqualified students." Diaz v. I was recruited gone after for months, felt like I was part of my recruiters family. Promising a 100% job placement rate is definitely the sort of thing that the Borrowers Defense to Repayment Program was created to stop schools from doing. A nine-person New York jury heard claims that Donald Trump raped a journalist in a Manhattan department store in the 1990s and publicly disparaged her, as a civil trial the former US president has . The promise of paying just $50 per month to pay them back sounds like it would qualify you for a BDAR discharge, but youre going to need to provide as much evidence as possible for this claim because thats one Ive never heard anybody mention before. delay in issuing final decisions on borrower defense applications, including yours. Ever since shes been paying for this never ending loan. Its not like they put that stuff in writing. I emphasize that I never did nor would I have applied for a loan. I had finished the Kaplan Capstone course and had everything turned in for graduation. now im paying back all this money on accounts that all read closed and show a $0 dollar amount closed I also want to mention about how I wasnt really doing much of my homework that was given or completing assignments and eventually my grades were falling. To help you figure out which program will work best, lets take a closer look at them in detail. or who left the school prior to the time it closed, but within 120 days of the closure. Obviously, anyone struggling with student loan debt isnt going to have that kind of cash laying around, which is why I think we all need to be aware of the potential for what I call a student loan forgiveness taxpocalypse coming on the horizon. Jeez, this sounds like a horror story. You could either try to pursue a Borrowers Defense to Repayment Discharge against your school, or you need to find a way to get your loans back on track. Now when I look for employment, my resume is reviewed and I am often asked why did I graduate with a Business Administration degree when my transcripts show my aim was to be in HealthCare Management Administration. The Bachelor's program in International Business Administration provides a solid foundation in the four core pillars of an international business: management and organization, marketing, finance, and accounting. Why? Its extremely important that you file it at the official US government website devoted to the program. I am so grateful to find this post. The things you explained sound like a bad experience and maybe a customer service problem, but they dont sound like illegal behavior, so I dont think that youd qualify for a BDAR Discharge if those are the only reasons you listed in an application. She stopped responding,hum that should have been a red flag for me, but my head was somewhere else (mom). You can reach them at 1-877-317-0455. Should I go ahead with trying to get my closed school student loan discharge. Marina Veljkovic - Team Member (University of Amsterdam) - LinkedIn I let them know before the cut off deadline for withdrawal form the classes for the semester. Can you guide me? Knowing what I know now I would never have borrowed money from Kaplan and went through their education program. You need to show that they were committing illegal activity, so be more specific in your explanation. 1. I am not able to use my degree. You can afford that cant you and think of the advantage youll have when you graduate etcmind you I told him I probably wont be able to finish the semester as my Mom is really ill. August of 2010, recruited .September 2010 semester starts by October 2010 my Mom goes to hospital open heart surgery. While BDAR approvals are taking over a year to complete, people submitting Closed School Applications are hearing back far more quickly. This comes across as a story that maybe you just didnt understand what they were saying? Im not familiar with Bauder College? Under the settlement, Kaplan also had to refund the federal financial aid it obtained. They insisted that I had to finish another term but I argued with them this was not right. You need to show that they targeted you personally. Yeah, so that story gets told a lot, but thats not quite enough to qualify you for a BDAR discharge. I have written them many times about this and they do nothing. At the end of the semester, they proceeded to start expulsion proceedings, which I had to argue with them over because the classes I had failed (on their recommendation) were not part of my major. This will save a TON of money in the short-run, and long-run. Recent Actions and Concerns. I didnt get to graduate until January 2009 having never been given credit for my work experience or some of my completed classes form other legitimate schools. Kaplan University: Preying On 'Pain' And 'Fears' Of Low-Income Students Is Not 'Remotely Deceptive' . You may qualify for a Borrowers Defense to Repayment Discharge (not sure what DBR means), but only if you can point out exactly what sorts of claims they made to you about high graduation rates, job placement, etc., and explain how those impacted your decision to borrow money to attend the school. Thanks for the kind words Falisha and good luck with your application! The whole story about your Mom isnt honestly going to help your case at all. Kaplan University: Preying On 'Pain' And 'Fears' Of Low - HuffPost Arnold and Deanne Kaplan Collection of Early American Judaica (University of Pennsylvania) 31 College Complaints Unmasked - The Century Foundation You need to be able to prove that the school committed fraud against you, and this explanation doesnt include anything about fraud. UPDATED Tuesday March 24th, 2020. Most locations always questioned whether it was legitimate. I would definitely try to pursue it. In fact, I emailed the professors many times and was told its not that important and I questioned my grades and could not get a professor to explain to me how I can get so many failed tests and yet pass the course. What exactly does it mean when they say Enrolling students that they knew werent qualified for the programs, because they didnt have the right educational background, obviously werent going to be able to complete program requirements,, or something else, in order to get their student loan money.. I was however unable to attend graduation due to a family health crises that required me to temporarily relocate out of state. This is a group of Government-backed attorneys who offer FREE legal advice on student loan-related issues. Kaplan, Inc. - Wikipedia Does this qualify for any of these programs. For help with PRIVATE Student Loans: Call McCarthy Law PLC at 1-877-317-0455. To get your loans forgiven you need to prove that something illegal was done AGAINST YOU personally. August 16, 2022 Press Release August 16, 2022. I was also promised that they would help me find employment in my field which they did not. Im looking to have my loans removed but I dont know where to look for any information that shows I went to the school. Im stuck in a fast food restaurant with a student loan debt. I think I could have a case, but have no idea how to provide proof of the claims they made. Im pretty sure that she wont qualify for any of the programs Ive outlined here, as almost all of the forgiveness and discharge programs only apply to Federal debt. I explained to them that when I set up my student loans for Kaplan I had a set amount that was earmarked for each term and there was nothing extra that I was given. Hello! For help with Federal Student Loans call the Student Loan Relief Helpline at 1-888-906-3065.