If I were writing a BDAR Application I would pay a specialist of some sort to help me with it. I called today and they do have it still, but they can give me no update. Is there any refund program or hope for people who graduated from UOP using the GI Bill? I appreciate your response. Anyway I attended U of Phoenix online from December 2007-July 2010. 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? So I’m having the same issue locating the Corinthian link. Not paying your debts is also wrong because you will go for the Borrower Defense process, it may weaken your claim and put your eligibility under question. What 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? So can I file and get money back? 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. 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. 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. Good luck with everything and please come back to let me know how it goes for you! 49k in student loan debt for an associates degree in web design. 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”. Or how do I join the ongoing lawsuit against them? 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. 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. 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. 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. In conclusion, receiving student loan forgiveness is possible considering all situations with the University of Phoenix lawsuit and student loan crisis. What EXACTLY was said about being able to get a job with a Certificate? You won’t qualify for BDAR if this is all you can put on an application. 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. I also have been told by employers that the degree is useless. My original degree was criminal justice with a concentration on human services. How do I go about finding out how much is still owed. After you get the full information about the class action lawsuit and settlements against the University of Phoenix, now apply to the program, prove your claim, and get the University of Phoenix student loan forgiveness. What a bunch of hog wash they feed me. 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. 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’ve answered over 3,700 comments on my site since launching it way back in 2012… does that sound legitimate enough for you? Upon comparing them to my transcripts there are classes I passed & was charged for however, was not awarded the credit. Thank you very much for this post and for the forum to ask questions. You need to find out if your loans are Federal or Private. Yeah, you can apply at any time for BDAR. Since 2015, the University of Phoenix has been investigated by FTC. You can upload the additional materials to strengthen your claim. When i figured out this was not true, i promptly switched schools. Is there a way I can get a full refund of everything that I paid to the University of Phoenix? That sounds either outright illegal (false advertising) or very, very close to the line of what’s allowed. If you are one of the University of Phoenix students who are suffering to pay the financial aid student loans back, you may be eligible to get a discharge through, To apply for student loan forgiveness through Borrower Defense to Repayment, you need to fill out the application form. My borrower’s app has been pending for a year or so and no reply. Even great, if you have not received the University of Phoenix Student Loan Refund, you can get a refund through this program. Sure enough as soon as my suspension was over, who contacts me? I attended UOP for my AS and BS in early 2000’s. I was told by their staff that I would be able to get a job immediately after graduating. Already 20k higher. You would need to actually find out what the AA costs compared to the Bachelors, and see if there is truly a difference. LOAN DISCHARGE APPLICATION: FALSE CERTIFICATION (ABILITY TO BENEFIT) William D. Ford Federal Direct Loan (Direct Loan) Program Federal Family Education Loan (FFEL) Program OMB No. Price's first payment on her consolidated loan was due in August 2006. The primary requirement to qualify for Borrower Defense to Repayment is to prove that UOP misled and defrauded you. It effected my grades. 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. To tell you the truth though, I think a compelling, detailed explanation of exactly how you were defrauded would win an approval. 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). Today I still owe 4 more years on my loans! Additionally, pre-paying tuition will promise that your rate won’t increase for the amount of your program. 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. Non-profit Student Loan Forgiveness and What to Expect in 2021? Look at my page about Stopping a Student Loan Wage Garnishment for details on that front. My friend who attended a brick and mortar school tried to warn me when I was already deep into the program. After application, the Department of Education will review the case and notify you about the result. What kind of documentation do I need for this process? In 2019, many students can be qualified for the, University of Phoenix student loan forgiveness, The lawsuit charged the UOP, claiming delusive recruiting methods, misrepresenting the income and job replacement rates. However things quickly became apparent that it was not what was promised. NO major units transfer. 2011-2015 was when he attended. I know you didn’t, and I’m not going to help you unless you do. University of phoenix has now started calling me on behalf of great lakes lenders. 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. UOP, Colorado Tech, and Ferris State. The faculty that I have known (and still work with) are very talented and dedicated to their students. The other advice I have is to make sure that you’re VERY CLEAR about what you’re claiming. You’re definitely going to need to accuse them of having done something illegal in order to get a Discharge approved. Many students of the University of Phoenix has a problem paying their student loans. I have been unemployed since 2010 the day I graduated from my undergrad with Phoenix. 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. This was a chat conversation I had with them last April, does this hold any water? Did they promise some set percentage of graduates would find a job in the field? thanks Don. I think you’ve got a pretty good case here, but I’d still look for more details. Insisted he prefered face to face communication to be sure he’s being understood. 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 … U.S. DEPARTMENT OF EDUCATION APPLICATION FOR BORROWER DEFENSE TO LOAN REPAYMENT OMB Number: 1845-0146 Expiration Date: 06/30/2023 If your school misled you or engaged in other misconduct, you may be eligible for “borrower defense to repayment,” I get this question on a daily basis, and the answer is, unfortunately, no. Tom. They made great and grand promises about what would happen after graduation and how the student loans worked. 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! Borrowers’ Defense to Repayment is one option that can partially or fully eliminate the debt and refund the paid money. After this student loan class action lawsuit, University of Phoenix settled $10 million by ED. 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. I have more. If you are among the deceived victims of any school, there is an opportunity for you to get, The University of Phoenix is accused of many. 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. He told me to contact my advisor (who I had never had contact with) and see if they could appeal it with the board. Cases similar to those claimed in the University of Phoenix lawsuit will make you eligible for the Borrowers’ Defense program. The whole situation sounds very shady to me, but better to get out of UOP before it cost more. They have yet to prove any debt. Someone mentioned this issue with University of Phoenix to me today. 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. I’m sorry, but I can’t really help with technical issues. 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. 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. Also , I was told that there was team assignments , but not all the time. A range of salaries? They actually filled out my FAFSA for me. 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. 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. To qualify for the University of Phoenix loan discharge, students should have attended the school between October 2012 and December of 2016. 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. 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. My wife went to UoP, and I followed the link in the article to get to the Application for Borrower Defense page. They literally are holding my transcripts hostage and wont allow me to go back to school. My guess is that you’re in the wrong spot, or missing something. They even provided me with statements from UOP graduates and claimed the she, herself was a graduate of UOP. Same as someone paying a loan. 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. The lawsuit charged the UOP, claiming delusive recruiting methods, misrepresenting the income and job replacement rates. Lol.. Three months later and nothing, except a charge off on my credit from UOP for nonpayment of an unsecured loan. Thanks for the information. The University started with eight students as a for-profit school. The Federal Government has been cracking down on Forgiveness Scams recently, but there are still thousands of people out there attempting to milk money from desperate student loan borrowers, so you need to be extremely careful about getting anyone’s help with your loans, or with the Borrower’s Defense application. That is good news esp if you fit into the settlement guidelines… Similar is what happened to DeVry-aka for profit scam school. Try contacting someone at the Department of Education to see if they can offer some support on this. 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. 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? 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? 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. 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 decided to go to UOP for Psychology. Navient talked me through at least 3 forebearance periods! He is unemployed and I am underemployed and we have two children to support… This school needs to be closed for good! 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. 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. To get approved for a BDAR Discharge, you have to accuse the school of committing some form of fraud. 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. 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. In more detail, the claims involved that the university violated the state laws, defrauded the students about getting student loans, and job placement after graduation. In 2019, many students can be qualified for the University of Phoenix student loan forgiveness. If you are one of the University of Phoenix students who are suffering to pay the financial aid student loans back, you may be eligible to get a discharge through Borrower Defense to Repayment. ITT Tech Lawsuit Update: How to Benefit from Debt Relief Options? The counselors are there to guide us so I followed his instruction. 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. I am still a homemaker. 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. Partially because it’s my calling and because the degree has done nothing for me. 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. Federal Student Loan Forgiveness Disability Discharge Income-Based Payments; You get lower payments. Joel, This is crazy! I feel like I am still paying those classes now through Navient? Thanks for your comment and sorry you’re having such a bad time with them. Apollo Education Group mentioned this on a variety of occasions that students can relax because, within 45 working days, all the debt amount of eligible students will be cleared. Can you help me or send me in the right direction? I chose UOP because my husband was active duty in the Navy. 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. This is strange because I am logged in based on my current FSA login ID & password. That’s why you need to take this opportunity seriously, and get your application submitted ASAP! I’m pretty sure that I will pay them off, but shady and wanted to get if off my chest. WHAT??? 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. TY. 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). This document was supposed to lock in my tuition 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. Hi Tim, I Narrowed it down to 3. That’s time and energy and a ton of lost money. Make sure you read my ENTIRE POST so that you can see the examples of the types of things that help. Since then I’ve never been able to use my degree. 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 never asked about more loans or never signed any paper work for any other loans. 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. 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. In general, only the matters related to education and directed to you can qualify. As the Department of Education announced, borrowers may get partial loan forgiveness, depending on their income. Try searching Google for some creative things and you may be able to surface some of their older stuff. Save my name, email, and website in this browser for the next time I comment. I was never told anything about having to meet a 12 credit requirement or else I’d be charged by the school. 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 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. Currently, I am enrolled at UOPX. I’d try contacting the Department of Education directly and asking them where to access the paperwork. Was contacted by a collection agency in November 2018 stating I owed 2900 and change. Simple, right? 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. 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. Hi. I can’t speak to any specific school or program, but I would assume that yes, EVERYONE is included. After your application is accepted, your University of Phoenix student loans will be forgiven. If you are among the deceived victims of any school, there is an opportunity for you to get a discharge for your student loans. Do you know if there’s a way I can get a refund of all of my tuition or join a class action lawsuit? Go to the official Government website here. I am drowning in student debt left by the empty promises of UOP. A student who qualifies for a closed school discharge can receive a 100% discharge of the federal Direct Loans, Federal Family Education Loan (FFEL) Program loans, or Federal Perkins Loans they took out to attend the closed school and a reimbursement of amounts they have already paid to … 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. I finished the program in 2009 for my AA in accounting. I was shocked when it showed up on my credit report. Hey Tim: A, The Top Student Loan Forgiveness Programs, 2020 Guide to Brown Mackie College Lawsuit, Argosy University Student Loan Forgiveness, Ashford University Student Loan Forgiveness, Corinthian Colleges Student Loan Forgiveness, Devry University Student Loan Forgiveness, Westwood College Student Loan Forgiveness, Kaplan University Student Loan Forgiveness, Brown Mackie College Student Loan Forgiveness. If the notification is made through the mail, you will see the decision and reasons in case of rejection. 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. My husband and I both graduated from there in the early 2000’s and are still horribly in debt with our student loans. I attended uop in 2008 online. UOP is also alleged to have trained enrollment counselors and potential students to falsify loan applications, doing things like lying about having a GED or high school diploma, and that one manager claimed he in “no position to turn away students”, which is totally illegal. I attended UOP for both undergrad and grad from 2009 to 2015. My highschool was not valid, my entrance counselor told me to appeal since I had already completed credits. 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. As the Department of Education announced, borrowers may get partial loan forgiveness, depending on their income. 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. No, I do not want my federal loans to be placed in forbearance while my loan discharge claim is reviewed. 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. Some certificate programs from the University of Phoenix even offer students the chance to earn college credits. The lawsuit charged the UOP, claiming delusive recruiting methods, misrepresenting the income and job replacement rates. Which was a lie. 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 applied for relief from this site and now my loan is on Administrative Forbearance and not sure what that means. They told me that my books would be covered, I had to pay for them out of pocket. Now we have to pay taxes to the IRS for the money we NEVER RECEIVED BUT WAS STOLEN FROM US???? If you qualify under the rules of the class, then you’re automatically included. There’s a very good chance that you may qualify for one just based on what you explained here. I attended UOP back in 2009. That’s not fraud. The University of Phoenix is accused of many deceitful and illicit actions against the students. Contact the Student Loan Ombudsman Group to ask them for help resolving this. It’s a big stressful mess now. 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. We’re reluctant to jeopardize that, and I’m wondering if completing this application would negatively affect her current plan/status. But now the debt burden is massive: $35.5 billion in outstanding student loans, according to Brookings — more than double that of any other school on this list.” So not only has UOP done real, real well with student loans so have (and continue to) the lenders with all the interest they make. I did fill out the Borrowers Defense to Repayment Application in 2017 and submitted it. 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? The University of Phoenix student loan forgiveness is for the borrowers who believe they are misled and defrauded by UOP. 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. Like clockwork, every time I needed to register for classes, my financial advisor would contact me and have me apply for my federal loans. If you are a student misled and defrauded by the university, there are closed for-profit school student forgiveness programs, such as Borrower Defense to Repayment to discharge your student loans. 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