How to appeal borrows discharge ineligibility

i need some guidance to appeal a notice of ineligibility when i filed for borrows discharge. my original loan was apprx $80K, then after years of paying interest only it went up to $100K, now with a loan collection agency, (they) say I owe $140K. I’m near retirement age and I am close to total despair.

4 Likes

I would take a look here.

Hello! I read your desperate words and see myself reflected in them… So sad indeed. I’m exactly on the same boat as you are. Years and years of paying interest only to see that huge loan amount keep growing and growing. It’s unconscionable and borderline criminal. My loans, although I have managed to pay off some smaller ones, has grown to over $180K, plus I defaulted on my private loans over a year ago… I feel like a criminal even though I’ve done nothing but pay and pay for so many years. I too am near retirement and have reached the end of the tunnel with all of this. When I read some people out there criticizing our movement for asking to have all student loan wiped out, and saying it’s “unfair” to those who paid, I have to wonder what they did to be able to pay? If I would have been able to pay if all off, I would have. I just recently found out about the borrower discharge process. I didn’t even know that existed! I have to ask you: What reasons did they provide to you for finding your request ineligible? Did they even give you a reason? I cling to the desperate hope that we will get a politician that will find our cause strong enough to seriously support it and take it all the way to completely wiping out all student loan, period. I find it amusing how politicians seem to have no qualms about giving free money to big banks and corporations to bail them out with our tax dollars, but find no mercy for us former students who are carrying this unbearable load on our shoulders for so long. Aren’t we the ones paying off all of those huge corporate bail outs anyway? We should really get mad and make this an all-out, go to the streets and stop paying one more cent revolution! It shouldn’t cost this much to get an education. I know I, for one, have paid a ton of money through the years only to see it go to waste in interest. I’m done paying. Let’s get this revolution going people. If we all stop paying at the same time, what are they really going to do? Mass incarceration? Ruining our credit? It’s already ruined… As you can see, I am also desperate.

2 Likes

The denial seems to be a standard, regardless of what provision they deem; “Failure to State a Legal Claim” That’s all they apparently need to claim.

I too just realized this defense. I don’t know where to turn.

2 Likes

Thank you for your response, Kathy. At least we are both doing “something” about it, and we have reached this site. Hopefully, something will actually get done. I have noticed an enormous amount of “noise” these last few years having to do with the exorbitant student loan crisis. Our biggest problem, in my view, is that the “Powers that Be” are all well-to-do people who didn’t have to get student loans to get their fancy education. Therefore, they can’t really relate to our situation. This is a problem for the regular folks. Low income to low-mid, working class people. We are only going to get somewhere when our plight falls into the right ears. Or, if we do like other groups that get heard by means of real protests, going out in the streets and doing large scale marches, who knows what?!
I will do some research about that answer you got, failure to state a legal claim. I am a lawyer, just so you know, and all I can say is that is just a bump on the road that can be overcome. We just need to find a “legal claim” and refile your claim. Right now I am looking for grounds myself to file my own claim. Perhaps if others read this who have filed a claim and have gotten a positive result, they can share with us what they wrote to overcome the “legal claim” grounds to move yours forward. My advise is not to give up. Re-file your claim. If they deny it, appeal. Fight back. We have been put through hell just because we wanted to get an education and become better people. That’s just wrong! If I come up with anything else I can share with you, I will.

1 Like

Ditto !

1 Like

Omg!! I feel for you, and here I am crying about the $11,000 I owe for a school I attended over 30 years ago for the amount of $2,650. If I knew back then what I know now I would have applied to an accredited College for a Bachelor’s degree. Instead of a for profit career school that wasn’t worth the $2,650 I took out a student loan for. I’m trying to get my loan discharged too because they lied to me, took out a second loan and signed my name without my consent or giving me the balance and the career I was training for didn’t even exist until 10 years later. They trained us to work as Medical Assistants on typewriters, when they knew that we would have to use computers in our careers. No one can find proof of their existence and my school records and transcripts can’t be found. Heck even the High School I graduated from recently sent me my transcripts from the 80’s. These schools have ripped us off and we have to keep fighting back. Someone should start a petition to have that Secretary of the Department of Education fired!!!
When will this end. I hope it ends soon because, Navient holds my loan and I will be 98 years old by the time it will be forgiven because of the misleading agreement they talked me into 3 years ago. Hopefully someone will end this nightmare before Trump gets rid of the borrower defense loan that he has the Secretary of Education stalling to discharge thousands of student loans that were approved to people who only wanted to better their lives. Not to be holding debts over our heads until years after retirement.

1 Like