This is excellent and I sincerely appreciate you answering me to the best of your abilities. Many thanks Thomas!!
Just tried calling the number, at 4:30pm on Monday June 21. It states their contact center is currently closed, but is open Monday through Friday 8am to 8pm Eastern Time, then it hung up on me.
Even if I hit 2 for spanish, it just gives me the same info.
I will try again tomorrow morning and see if anything changes.
Uhg, Iâm sorry. Everything at the Department of Education is broken.
Harvardâs Project on Predatory Student Lending just published an FAQ about the recent ITT announcement:
Everytime I call they say my claim is involved in the class action lawsuit Sweet vs Cardona. They say they canât give me any information until the case is resolved. I went to ITT in Ohio from 2014-2015.
Question:
Does this include recompense of qualified monies paid on said debt under the original BDR standards or is this cancellation of outstanding debt only?
If it is the latter then I have to say in regards to the DoEâs effortsâŚ
Still fleeced and well forgotten w/ thousands of dollars less in my bank account.
Forgive the rudeness, but count me out of celebrating another empty achievement by the DoE to make my imaginary leger of illegitimate debt go âPOOF!â while they continue to chop up the $18k I paid into it right to my face so they can dole it out to debt servicing corporations and other high ranking gaping rectums that exploit the motivation to be educated for a profit.
Unacceptable and unsatisfactory.
But more importantly, politically liable to turn a lot more angry student debtors against the Democratic Party for good this time especially if this is how the Biden administration is shaping up to handle BDRâs. Which is to say a clunky, means tested debt jubilee that never gets fully implemented and sucks up all the media attention while the defrauded cash paid in goes out the back never to be seen again. Having the gall to renege on your own Executive Order that was the impetus for the program is a new low as well. (#13607 to be specific).
In closing, if the DoE by way of the Democratic Party (in true laissez faire form), chooses to only forgive debt by shoveling budget money down the gullet of our loan crisis in order to satiate the market economy tapeworm thatâs been attached to it for decades and passes on the opportunity once again to take the same funds and divert lump sums to Fed Loan and other servicers to then be automatically disbursed into the direct deposit accounts associated with the defrauded loanâŚthen âcelebratoryâ will be the last thing Iâll be.
Betsy DeVos is a megalomaniacal, sociopathic Calvinist that shared a childhood w/ the homicidal founder of the most infamous mercenary contracting firm in history next to the Crusades of the Catholic Church so whatâs this DoEâs excuse? Just didnât wanna? Please. Weâve done this dance before.
Congrats on the movement and gratitude for all the hard work Debt Collective does on my behalf despite the thorny attitude on this topic.
Good Evening Thomas,
First off, I cannot stress the importance and significance of your help to everyone. Youâre seriously an angel and just a giant asset to the community. Kudos to you!
Secondly, I wanted to pick your brain for a moment.
I received (finally) the other day a response from the Department of Education that my Borrower Defense To Repayment application has been approved.
A few days later, I received mail from my Federal Loan servicer, FED Loan Servicing that they received the information from the Department of Education and if I want, I can fill out the Closed School Discharge Application they sent to me.
I went to ITT-Tech and graduated in 2009 and this discharge only applies to Federal loans⌠Do you think I hold off on filing the Closed School Discharge paper since I had my Borrower Defense to Repayment approved? I would think that I would have to wait for the next steps from the Department of Education as they said it can take up to 180 days for the full discharge.
Confused and excited.
Many thanks!!
-Mike
1 Like
YAY! @mpawlak that is excellent news!!!
If you got your borrower defense approved there is no need to fill out the closed school discharge. These are redundant protections in your case.
The Department of Education does give itself 180 days to process the actual discharge of your loans, although it looks like they are getting speedier than they used to, so keep checking your account because it could happen relatively quickly. If it hasnât happened for some reason after 180 days (which would be early March 2022 I think) please let me know and we will troubleshoot.
If you have older FFEL loans you will have to consolidate in order for them to facilitate the discharge. You can do that here. But based on what you have said above it sounds like you probably have direct loans already, and if that is the case then there is nothing you need to do.
https://studentaid.gov/app/launchConsolidation.action
Please reach out to everyone else you know who attended ITT and tell them to file a borrower defense if they havenât yet!
And celebrate! YAYAYAYAYAY!!!
Thank you so much! I will spread the word to others. You are always so helpful and may God bless you.
Looking forward to staying in touch 
Take care!
I did receive a claim approval email on 09/07. However, does anyone know how the beginning discharge date is being determined within that email? Mine says âloans taken out on or after 03/01/2005â, but my other 2 colleagues who received the same letter have 2 totally different dates than me.
Reason Iâm asking is because I physically started at ITT in 03/2005, but my first loan was apparently disbursed by the finance dept on 02/24/2005 according to Mohela? That kind of sucks that very first loan wouldnât be roped in with all the others discharged. Itâs a measly 5 days prior to the date.
I have called StudentAid.gov and Borrowerâs Defense hotline and no one can answer this question for me. Been waiting 5 years for this day and now they short me by 5 days? Sheesh.
As I type this, Iâm on hold with the Borrowerâs Defense Hotline. I am being told that the date on the approval email is the âcontrol dateâ that is created based on some private formula. You need to go back and find out what the original âloan datesâ are; NOT the âdisbursement datesâ.
In my case, my claim approval email says âloans taken out on or after 03/01/2005â. So because my first loan date is 02/24/2005, but disbursed after 03/01/2005, so that first loan technically isnât going to be discharged. This is about the most absurd thing ever. I didnât even physically walk in the the school until 03/2005. This formula is BS and itâs not my fault that the schoolâs finance dept needed to submit loan paperwork to get it moving so I can attend the school prior to 03/2005. This system is far from perfect at this point.
1 Like
So the rep I was speaking to got a hold of a supervisor. His supervisor said as long as your loan âdisbursement datesâ fall under the control date stated in your email, then they will be discharged. So even they are getting conflicting information. That would make more sense, but the rep said they are being instructed to say âloan dateâ which is completely different from the âdisbursement dateâ. smh
Thomas,
Hope you are doing well! I am hanging in there myself sir.
It has been about 90 days since I received news that the Department of Education would cancel my loans due to Borrower to Defense Repayment application being accepted by them. I am not too worried because you did mention it can take up to 180 days.
Now, I am curios about your thoughts on the following. I have been asked by my loan servicer to re-apply for the PLSF form (Public Loan Service Forgiveness) because I work for a federal job. However, I am not certain if it is a âWaste of timeâ since I already received the approval letter. In your opinion should I fill out this PLSF form while I wait for my loans to be officially discharged or donât even bother?
A bit confused, and of course scarred because one always gets the notion that if you make one false step, the whole good news can be taken away, as silly as that sounds 
Thomas, I bow to you and await your response.
God bless.
-Mike
Hi @mpawlak,
Are 100% of your loans going to be cancelled from borrower defense, or do you have some additional loans from a legit school that wonât be cancelled by borrower defense? If it is the second, then it is worth applying under the PSLF waiver to get those loans on track for PSLF.
If you havenât made payments on your loans for at least 10 years then you wonât get full cancellation from the PSLF waiver right away. You might get some additional âqualifying payments.â
So if you have not made 10+ years of payments, and you donât have any loans that are not covered by borrower defense, then it is probably not worth the hassle.
As additional context, the PSLF waiver expires Oct. 31, 2022, so you still have a ton of time to take advantage of it if you need it.
Alternatively if you have made 10+ years of payments while working for a qualified employer, it might be worth jumping through the PSLF waiver because you might get your loans cancelled by PSLF before they do it for borrower defense. And having two things in motion will mean you just need one of them to work.
Sorry for not having a simple answer here. It all depends on your situation.
Thomas,
I donât believe 100% of my loans will get cancelled so you helped me in confirming my beliefs to go for the PSLF waiver, while I wait on the some of the cancellations.
Super thankful for your insight and quick response!!
-Mike
Hi!
My name is Liza Garay I went from June 2009 through December 2011. I did finished my Associate Degree. But my Borrower Defense Application still on pending status. I did apply on 2019. If any way to know why some applications are not approved yet for DE? Any info about that would be appreciate it.
Thank you