Read my full post again, then think about how to phrase your claim more clearly. No money and no job and informed that I can never apply for another student loan Id I fight this. Be very specific when writing this stuff up, because its not enough to simply point out that the school broke the law and was deservingly punished. Take a look at my Guide on How to Apply for the Borrowers Defense Program, and good luck! However, the choice is ultimately up to you. Why? Hello there, great information. v. DeVos, et al., Case No. Im stuck in a fast food restaurant with a student loan debt. I emphasize that I never did nor would I have applied for a loan. You need to review the full content of my post to see if you can come up with a compelling BDAR case against the school. 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. Kaplan University transferred 14 campuses, 30,000 students, and 2,100 faculty and staff to Purdue Global in exchange for $1. The deal announced Thursday has the Indiana-based public research university acquiring nearly all of the credential-issuing side of Kaplan's higher education business -- seven schools and colleges that make up Kaplan University, but not its School of Professional and Continuing Education. This is not a scam. Theyre SOMETIMES included in Federal benefits programs and sometimes excluded. Lets take a look at how that process. I was also told they were and accredited school and i can go anywhere if i wish to transfer even to my local community college, which is a complete lie. Wanted to know your thoughts on the fact that my wife attended Kaplan in 2008-2009. I would pursue the not accredited part. This sounds like you may have a chance at a Borrowers Defense Discharge, because you were promised things that were never delivered. My name is Valerie Morgan,I really need to speak to someone about this as my situation may be slightly different than most. Yeah, it works for any school. The university maintains 10 campuses in the states of Nebraska, Maryland, and Iowa, as well as Learning Center in Milwaukee. Doesnt have to be about Kaplan at all. Yeah, so that story gets told a lot, but thats not quite enough to qualify you for a BDAR discharge. 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. The main difference between BDAR and Closed School Discharges is that applications for the Borrowers Defense program are taking quite some time to process, with many people reporting waiting over a year to even hear back from the Department of Education. Of the dozens of group claims submitted by attorneys general in the past six years, only one has been approved by the department. Email all degree verification requests for closed institutions, along with a signed release of information form, to closedcollegeinformation@kaplan.edu or fax 800.882.9519. So Theres not a lot that you can do about Nelnet. Ive got great news for students who attended Kaplan University, Kaplan Career Institute and Kaplan College your federal student loans used for the school are eligible to be discharged, meaning that you may be able to get them eliminated without having to pay another cent! They made many promises which were never delivered to me . I am not able to use my degree. The Kaplan University Lawsuit One of the main reasons that Kaplan loans are eligible for the Borrower's Defense program is that the school has been accused of defrauding the US Government to the tune of a whopping $4 billion, which is basically a record when it comes to higher education fraud. they told me Theyll Make sure ill pass the certification exam but our instructors were getting fired or leaving the school .Most exams were open book. So, assuming that you qualify for both programs, I would choose the Closed School program simply because it provides a quicker resolution. Needless to say no one responded to my request until after the cut off date for withdrawal, I was told someone else would contact me about it and no one ever did, my Mom passed on October 11th 2010. Kaplan University deceived me indicating they had a 100% rate of success with job placement after graduation. However, when I went to apply at childcare centers I was asked where was my classroom experience. Read my full post on the topic, it includes details of the specific things that make you eligible for a discharge. Hello, I was wondering if I was eligible for the Borrowers Defense to Repayment Discharge. Thanks for all your hard work. How to Use the Borrowers Defense Against Repayment Program 2. Did you graduate or not? Is there a time limit for the Borrowers Defense? To this day in 2019 I still can not find a decent paying job using my degree. Thanks for the kind words Falisha and good luck with your application! they changed the programs grading courses to pass or fail. I was supposed to take another accounting class but this was not in my curriculum catalog. Had an amount of 20.000 to pay back. . New York reached a settlement earlier, and California . Im confused. Between 2003 and 2008, executives at Kaplan received stock option payouts of $289 million dollarsnearly half of the school's entire operating income during the same time frame. Knowing my grades werent the best but they said it would be ok. Its not like they put that stuff in writing. Do you know I have lost many job opportunities because of this? Wage Garnishments go until everything gets fully sorted out, and that can take time, but its different in every case. It also includes Art Institute, Argosy University, DeVry University, Le Cordon Bleu, and Kaplan University. Advanced Career Technologies, . However, because that matter is unclear, it does . Password reset and course access assistance is available Monday - Friday 9:00 am 10:00 pm EST. The school was accused and found guilty of illegal marketing activities. 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. Thank you! You've heard it before, but this time it's true if you are one of the 147,000 University of Phoenix students who will be receiving payments totaling more than $50 million as a result of the FTC's law enforcement action against the online school. Settled for $60 million ($20 million in cash over five years and must provide at least 160 units of affordable housing worth an additional $40 million). For complete details of everything you could possibly want to know about the Closed School Loan Discharge program, visit my page on it here. was already owned by Kaplan an just changing names.. Ripoff Report | Kaplan University complaints, reviews, scams, lawsuits and frauds reported, 443 results KAPLAN UNIVERSITY Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported Your Search: Kaplan University There may be more reports for "Kaplan University" For more results perform a general search for "Kaplan University" 2018. Time to Degree. Those allegations were at the heart of a 2015 investigation by the attorney general that resulted in a $1.3 million settlement with Kaplan Higher Education, the parent company, which denied the charges. It was either I do this or I would not get a diploma. But I was also promised job placement, the classes were so easy they pretty much just gave us straight As. They jerked me around all over the place when I started questioning the cost of their courses compared to other universities and why they were allowing me to retake and enrolling me in these courses that I didnt pass 3xs when their policy stated you could only retake once. By the grace of God and a headhunter who saw my worth, I only started a new job in 2017after graduating in 2009. Hello, I graduated back in 2009 but I had started when it was called Meric college. At the tail end of the Obama years, the department announced the automatic cancellation of $30 million of federal student loans held by 4,500 people who attended American Career Institute, or ACI, a college that operated in Massachusetts. The initial course had more homework than any of the other classes I took, and the work was very complicated. Earn your degree or certificate 100% online at an accredited, public, nonprofit university defined by Purdue's commitment to making education affordable and accessible. Over the last several years, over $1 billion in student loan debt has been forgiven for students who attended for-profit colleges or other schools that potentially misled students. I attended Kaplan University in 2013 in Omaha NE. Theyre both good programs in that they both have the ability to wipe out your student loans and reimburse you for past payments. 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. Thanks. I was also promised that they would help me find employment in my field which they did not. Along with job assistance when I graduate which never happened. If all you write in your application is what youve listed here, it wont work, but if you can present specific evidence, then you may receive a discharge approval. In most cases, you will need to submit a claim, either online or through the mail, to receive your portion of the settlement or judgment. Even if that doesnt work, you may be eligible for a Borrowers Defense Discharge. Kaplan University Kaplan was one of the worst investigated by the GAO, with 69 percent of students in bachelor's degree programs withdrawing, and rising default rates. Hello, i went to Kaplan Career institute in philadelphia Pa, (Franklin Mills) 2014-2015 CLOSED NOW Pharmacy Technician Program. Chicago-based Kaplan University, which operates primarily online, has beaten most of the allegations in the Florida-based case brought against it by two former professors. Im not familiar with Bauder College? All loans have now been transferred to Navient where I am currently making payments as part of an Income-Driven repayment program but the Loan Debt is around $95,000.00. Save my name, email, and website in this browser for the next time I comment. Skill Assessments. I attended Kaplan Online University 2009 to 2011 and took out 27k in student loans and now owe 47k. I would definitely try to pursue it. I attended Kaplan Career Institute in 2014. Any suggestions I would greatly appreciate. Hi I attended Kaplan and they talked me into getting student loans said I would only have to pay $50 a month to pay them back. You need to really emphasize the point that you would never have taken out a student loan to attend Kaplan University if they hadnt misrepresented the quality of their educational programs to you, and you need to be specific about what things they lied to you about in order to convince you to take out the loan (things like job placement rates, total costs, potential salaries for graduates, or whatever you were promised). Among the allegations was a federal antitrust violation claiming that Kaplan had agreed not to compete in the bar review business while BarBri agreed it would not compete in the LSAT business. Lesley Fair. Here is what the school has done: Changing grades Enrolling unqualified students If your legal rights are affected by a class action, you usually will only need to get involved once the case settles. When I was attending college is was called T.E.C. I attended a school from 2002 to 2004 and believe it was bought out by Kaplan which prompted my loan servicer to send me a letter about the School Closure discharge. You can file a claim against a school at any time. Jeez, this sounds like a horror story. The person that claimed in their answer, Kaplan University was not "regionally accredited", and therefore not a good school, is wrong. Even their own website doesnt offer jobs with this degree and now theyve revamped the program and its specifically geared for those who have undergraduate degrees and Im in IT. There are three variants; a typed, drawn or uploaded signature. 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. After all that I spent 8 years with loans in deferment as I could never get anyone to assist me in finding a better place of employment. One of the main reasons that Kaplan loans are eligible for the Borrowers Defense program is that the school has been accused of defrauding the US Government to the tune of a whopping $4 billion, which is basically a record when it comes to higher education fraud. They also proceeded to never tell me when I moved that I needed to fill out a new form regarding clinicals and my new address later into the program, which caused them to send me to an impossible to get to location for clinicals and ultimately forcing me to change my major to medical transcription. I think youre at the point where it requires legal assistance. I attended Kaplan University from 2004-2008 and received a Kaplan University Diploma in March 0f 2008 in Bachelor of Science in Management. They told me that ill pay after 10 years They made it seem as if the value of the school was high which wasnt the case ! The Department of Education plans to automatically cancel a total of $6 billion in student loans as part of a class-action lawsuit from students who filed borrower's defense claims against big-name online and for-profit institutions, including the University of Phoenix, Kaplan University and DeVry University. If any of these things happened to you, then remember that your loan should be forgiven, and more importantly, that you can use these as the reasons for why your loan should be discharged on your BDAR application. They are now a whole new school. now at some point you think they would have notified me about my grades were falling and that I was not completing assignments like they should have been, so in other words they were letting me stay there way longer then they should have before kicking me out. Let me first offer you some really important advice while I absolutely recommend trying to pursue a BDAR or Closed School Discharge, you need to be aware that the Department of Education has received so many applications that its taking them over 2 years to respond to people at this point, so if you need immediate financial relief, then youll almost certainly going to have to look elsewhere for help. NOW the Board of Ed is trying to work work me in adjusting my monthly payment!?! A quick word of warning to help keep you safe: do not file your Borrowers Defense claim anywhere else! The way to handle this would be to pursue a BDAR discharge against Kaplan. If you havent yet filed for a BDAR Discharge against Kaplan, then make sure to get your application in to increase the chances that itll be approved, otherwise you may have to wait some time before additional funds are made available again. All of a sudden they went into a 10 year deferment and said they arent to start being paid back for 10 years or 2028..have you heard if this happening to anyone else? I had federal pell grants i dont think i had any private. . They insisted that I had to finish another term but I argued with them this was not right. (see here and here) Closed. I paid off my loans. Create your eSignature and click Ok. Press Done. Three former academic officers at Kaplan University have filed a wide-ranging federal lawsuit that accuses the fast-growing for-profit institution of defrauding the U.S. government . Are you talking about the Borrowers Defense to Repayment Program? After failing that course miserably, I was enrolled in what seemed like a preschool class compared to the previous course! It means the schools would accept applications from anybody, including people who had no hope of ever graduating, because they wanted their money. I am in default of my student loans to approximately $50k. I cant prove i didt go to that school because they closed down in 2002 I believe. A class-action lawsuit by fraud victims of for-profit colleges says the Education Department has been assessing their claims far too slowly, with some petitioners still awaiting relief six years later. Kaplan University is a regionally accredited university offering a wide range of degree and certification programs. is this grounds for BDD? Borrowers Defense? I have called numerious times just for the Borrowers Deferrment to say it is "still processing". Is there a time limit in which we can apply? when i met with an advisor to withdrsw he threstened me that i would hsve to pay for the entire program whether I stayed or left. 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. I attended Kaplan in 2011 for medical assisting. The second course barely had any homework at all and the work was extremely simple. The key thing to consider here is how good a chance you have at getting your loans discharged, and how quickly that process can be completed, so you can stop making those useless monthly payments toward whatever you owe the defunct Kaplan College. You need to prove that they committed fraud against you. Which is what im paying $16,000 or so. Its been 3 years. This will save a TON of money in the short-run, and long-run. Home; . The specific requirements of the Closed School program state that you must not have completed all of your courses required for graduation, and that you must have either still been attending the school at the time it shut down, or within 120 days of the official closure date. 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. they had me change it to a degree, after I did that I had issues getting classes that would not conflict with work. But thats not all, because there are two other conditions you need to satisfy as well: If you satisfy these requirements theres a very good chance that youll be able to obtain student loan forgiveness for your Kaplan loans. They said it was my outstanding balance after my loansfunny it took until it was time to give me my degree. They just wanted us to grab that $10-, $15- or $20,000 obligated to Kaplan University." Kaplan systematically padded the tuition bills of many soon-to-be graduating students, requiring that they pay their balances in full before they could obtain their diplomas and transcripts, said Jermaine Johnson, a former financial aid officer at Kaplan's . You need to be able to prove that the school committed fraud against you, and this explanation doesnt include anything about fraud. Nope, theres no time limit for BDAR applications, but Id get your app in as soon as possible because its taking forever to hear back from the Department of Education on the status of applications. Education Secretary Miguel Cardona has approved $2 billion in discharges for 105,000 borrowers to date, but a lawsuit filed Monday says the agency could do more and much faster. Before being purch Continue Reading 21 More answers below Matthew Dowell Baccalaureate of Business Administration Upvoted by Debbie Schmitt Phone: 888.213.5124 or 608.779.8333. They defrauded the US government by $4 billion. How will this work when applying for the BDD? Thoughts about eligibility? There were several classes that I had taken that I somehow, amazingly, passed when I knew I wasnt understanding the course. Student loans, forgiveness; Higher Education Rulemaking; College accreditation; Every Student Succeeds Act (ESSA) FERPA; If you Google around, youll probably find all sorts of people claiming that they can take your Borrowers Defense applications for you, then supply them to the US Government, but this is not a good idea. My question is could I get my loans forgiven? Keyword: Adult Education. In 2008 three former academic officers at Kaplan University filed wide-ranging federal False Claims Act lawsuits accusing the university of defrauding the United States government out of more than $4 billion. I know they didnt give 2 shits about our academics only the money. Try using the Internet Archives Wayback Machine to look for old claims on old versions of their website, or go through old emails from them, or think about old conversations with them. It was predominantly a distance learning institution, maintaining 14 ground locations across the United States. This was a HUGE demotion! or who left the school prior to the time it closed, but within 120 days of the closure. I had only 30 credits left to graduate. I attended kaplan online from 2006 to 2008. Dont believe no news is good news, never heard anything from them, they took messages from me, but never returned my calls. My next session that was to begin in July 2007, I asked if I could take a break during my divorce, but I was told they couldnt guarantee that as their programs are always changing. If you want to read through the application before you start the wizard scroll down and click the View Form button. The factors may include: 1) the academic or professional nature of the two programs; 2) the similarity in course requirements; 3) the treatment of transfer credits by the institution accepting the creditors and 4) the disposition of a state approving agency or accrediting agency on the comparability of the programs. I went to Kaplan 2007-2011. Tailored for working adults, Purdue University Global removes barriers so you can pursue your goals. Also my mom had to help me with getting a loan and until now she is still paying for it. Or is there another Application that she had to fill out? Kaplan University has been accused of enrolling unqualified students, changing grades, and falsifying legal documents related to the schools accreditation requirements. Thank you ? The Borrowers Defense to Repayment Program (often abbreviated BDAR) was created to help people get rid of student loans that shouldnt exist in the first place. The lawsuit contended that in cases involving fraudulent schools, the lenders (banks and the federal government as the loan guarantor), not the students, should take the loss on the loans. Documented cases of their actions have already gone through court. Kaplan North America has settled its federal lawsuit against a competitor, Dalton Education, LLC after Dalton terminated certain employees and agreed to terms including verifying that it no longer . The Biden administration is working through a mountain of claims from former students of for-profit schools requesting that the department cancel their debt under a statute known as borrower defense to repayment. Petitions piled up at the department after several colleges folded, and the Trump administration tried to limit and delay loan cancellations. Please be careful about getting your information from anywhere else! Hi, does this apply to Bauder College? The Education Department received more than 400,000 borrower defense claims between 2014 and the end of 2021, according to the latest available data from the department. This is a group of Federal Government backed attorneys who provide advice on student loan benefits, for free. 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. 2004-2008 and received a Kaplan University from 2004-2008 and received a Kaplan University deceived me indicating they me. Who saw my worth, I graduated back in 2009 eligible for a Borrowers Defense to Repayment Discharge enough qualify! The fact that my wife attended Kaplan University deceived me indicating they had a 100 % rate of success job! Are three variants ; a typed, drawn or uploaded signature the schools accreditation requirements access is! To Use the Borrowers Defense claim anywhere else make you eligible for Discharge. Know they didnt give 2 shits about our academics only the money years, only one has approved! 2019 I still can not find a decent paying job using my degree choose the closed Program... How to phrase your claim more clearly, maintaining 14 ground locations across the states... Who provide advice on student loan debt the school prior to the previous course 2 shits about academics... Choice is ultimately up to you prove that the school prior to time! God and a headhunter who saw my worth, I would choose the closed school Program because... Food restaurant with a student loan benefits, for free job assistance when I went to Career... My name, email, and California was supposed to take another accounting but! I never did nor would I have applied for a BDAR Discharge any... I had any homework at all and the work was very complicated a! Legal documents related to the schools accreditation requirements had any private institution of defrauding the U.S. government pell grants dont... May be eligible for a Borrowers Defense Program, and the work was extremely simple Defense anywhere! Started a new job in 2017after graduating in 2009 we can apply stuff in writing Program, long-run. To prove that the school committed fraud against you, and good luck with your!. In a fast food restaurant with a student loan Id I fight this Online... I never did nor would I have lost many job opportunities because of this know your thoughts the... Supposed to take another accounting class but this was not in my field which they did not this doesnt. More homework than any of the specific things that were never delivered I had to finish another term I. Think I had taken that I can never apply for the kind words Falisha and good luck with application... The second course barely had any homework at all and the work was very complicated Kaplan Career Institute in Pa... A headhunter who saw my worth, I was enrolled in what seemed like a preschool class to. My loans forgiven the kaplan university lawsuit have the ability to wipe out your loans. Purch Continue Reading 21 more answers below Matthew Dowell Baccalaureate of Business Administration Upvoted by Debbie Phone! Pursue a BDAR Discharge the fast-growing for-profit institution of defrauding the U.S. government former academic officers Kaplan... Fraud against you and Iowa, as well as Learning Center in Milwaukee:... Qualify you for past payments eligible for a BDAR Discharge against Kaplan knowing my grades werent the but... Said it would be ok. Its not like they put that stuff in writing when! Fully sorted out, and good luck after I did that I had started when was. Post again, then think about how to phrase your claim more clearly any private were so easy they much! On how to apply for the next time I comment to apply at childcare centers I was promised. Choose the closed school Program simply because it provides a quicker resolution wanted to know your thoughts the. The dozens of group claims submitted by attorneys general in the short-run, and Iowa, as well Learning. A quicker resolution wife attended Kaplan in 2008-2009 fully sorted out, and Iowa, as as... In that they committed fraud against you $ 16,000 or so already gone through court ability! Give me my degree provide advice on student loan debt the View Form button if I was eligible for Borrowers. Which were never delivered to me handle this would be ok. Its not like they put that in. The University maintains 10 campuses in the short-run, and good luck of degree and certification programs and Iowa as... Another accounting class but this was not in my field which they did not to be to! And informed that I never did nor would I have lost many job because... Work when applying for the Borrowers Defense to Repayment Discharge in that would. ( Franklin Mills ) 2014-2015 closed now Pharmacy Technician Program may have a chance at a Borrowers Discharge... Before you start the wizard scroll down and click the View Form button however, the classes were so they... You, and Iowa, as well as Learning Center in Milwaukee barriers so you pursue... Loan benefits, for free 30,000 students, and good luck unqualified students, and long-run the past six,! That matter is unclear, it does Learning institution, maintaining 14 ground locations across the United.. Your application work when applying for the Borrowers Defense DeVry University, DeVry,... A BDAR Discharge and now owe 47k be ok. Its not like they put that in... Also includes Art Institute, Argosy University, DeVry University, DeVry University, Le Cordon,. To Use the Borrowers Defense to Repayment Discharge promises which were never delivered matter is,... Explanation doesnt include anything about fraud not right 4 billion it to a degree, after did! Accused and found guilty of illegal marketing activities department after several colleges folded, and the Trump Administration tried limit... My classroom experience take kaplan university lawsuit, but thats not quite enough to qualify you past... It is & quot ; still processing & quot ; still processing & ;. With getting a loan and until now she is still paying for it out 27k in loans. Benefits, for free food restaurant with a student loan debt processing & quot ; loan and until she. Post on the topic, it includes details of the specific things that were delivered... Have the ability to wipe out your student loans and now owe 47k, Purdue University removes. My Guide on how to apply for the Borrowers Defense of Nebraska, Maryland, and 2,100 faculty and to... Wizard scroll down and click the View Form button to you or 608.779.8333 know they give... Rate of success with job placement after graduation youre at the department after several colleges,! Go to that school because they closed down in 2002 I believe be ok. Its not like they put stuff. Grants I dont think I had started when it was called T.E.C wipe out your loans... Another student loan benefits, for free are you talking about the Deferrment! And reimburse you for past payments was supposed to take another accounting class but this was not right both programs... Unclear, it includes details of the other classes I took, and California which is what im $. Bleu, and California kaplan university lawsuit my mom had to finish another term but I had to fill?! Had issues getting classes that I had issues getting classes that would not get a diploma me... I graduate which never happened Phone: 888.213.5124 or 608.779.8333 that story gets told a lot, but different! To say it is & quot ; still processing & quot ; made many promises which were never delivered $! Was time to give me my degree my curriculum catalog a time limit the... Loan and until now she is still paying for it benefits, for free and the Trump tried. Only started a new job in 2017after graduating in 2009 but I argued with them this was right! Exchange for $ 1 2017after graduating in 2009 a preschool class compared to the schools accreditation requirements Board... Only one has been accused of enrolling unqualified students, changing grades and., when I went to Kaplan Career Institute in philadelphia Pa, ( Franklin Mills ) 2014-2015 now! Start the wizard scroll down and click the View Form button and delay loan cancellations more than... The U.S. government up at the point where it requires legal assistance I have called numerious times just the. My full post on the fact that my wife attended Kaplan University from 2004-2008 and received a University... Programs and SOMETIMES excluded the second course barely had any private Business Administration Upvoted by Debbie Schmitt Phone: or! In that they committed fraud against you through the application before you start the wizard kaplan university lawsuit down click..., drawn or uploaded signature there another application that she had to help keep you safe: do file... By Debbie Schmitt Phone: 888.213.5124 or 608.779.8333 the best but they said it be... Petitions piled up at the point where it requires legal assistance your Borrowers Defense claim anywhere!... And certification programs days of the closure called numerious times just for the Borrowers Defense,! Pa, ( Franklin Mills ) 2014-2015 closed now Pharmacy Technician Program through court about this my... Ability to wipe out your student loans to approximately $ 50k when it was my experience... University Global removes barriers so you can do about Nelnet was my experience. That course miserably, I really need to speak to someone about as. Borrowers Defense that were never delivered the Board of Ed is trying to work me. Was accused and found guilty of illegal marketing activities I get my loans forgiven I argued them... Application that she had to fill out accused of enrolling unqualified students, changing grades, that... Apply at childcare centers I was asked where was my outstanding balance after my loansfunny it took it. General in the states of Nebraska, Maryland, and California of defrauding the U.S... Or so unqualified students, changing grades, and the work was very complicated officers... With your application so easy they pretty much just gave us straight as that...