I attended Florida Metropolitan University ( Corinthian college and then Everest) online in the early 2000s.
I was young and didn’t pay a lot of attention and my loans defaulted and bounced from ECMC to PHEEA and I yetest and fees just piled on. These are federal loans.
The program was horrible and I knew it was a mistake so I withdrew due to the cost, lies etc…
My loans have worked their way from 28k to 75 somehow.
I want to apply for the borrowers defense but I cannot find any of my paperwork from back then.
What should I do? Should I just apply for it and explain?
Hi @Keaton7,
I would encourage you to file a borrower defense to repayment and provide as much information as you can. If you don’t have the original paperwork that is okay. Just answer the questions as truthfully and as fully as you can. If you don’t know the answer to one of the questions just say that and move on to the next question.
You can fill out an application here:
https://borrowerdischarge.ed.gov/
My boyfriend took out a 2745.00 loan for the diesel institute of America in Tampa Florida in 1990 he graduated was promised a driving job no job came about and then he went to jail for 16 years also never received his certificate or diploma. Gets out in 2002 starts paying it back then wage garnishment and tax offsets. Totalling 6000.00 recently last offset 2019 tax refund. Tried borrower defense and was turned down for no legal case stated. Not one penny of the 6k was applied to the principal! We tried saying hey it’s been payed, they responded with a ridiculous letter saying yes you paid 6k but you still owe 4800 more on a 2745.00 from 28 years ago! Help
1 Like
I’m so sorry that you are dealing with this @Joann_Mancuso.
Not sure what your income/household situation is, but if getting on an income driven repayment plan would lower the payments to $0 you could do that and then join the strike: strike.debtcollective.org
The only real solution is full cancellation. We are organizing to win that.
Sorry just saw your email, it was in default and I filed for debt cancelation and it was denied for no legal claim, anyway we haven’t heard from the loan servicer yet and his income is high and it I don’t think it will get to zero, and they will probably want a ridiculous amount and it will not go towards the principal any other way to handle this?
Right now, most federal student loan payments and interest is suspended through Oct. 1, 2020. It is possible they will extend that suspension. That gives us some time.
I really think the only way out is to organize a larger political solution. We need people like you to get involved, recruit fellow debtors, join the debt strike and spread the word. For most of us, it is either deep structural change, or backbreaking repayment the rest of our lives.
1 Like
I know I was a national steward for cwa LPAT. I also owe 27k for my useless degrees, but I managed to not pay a dime for 15 years 
1 Like
Student loans are “interest first” loans where any outstanding interest has to be paid before payments apply to the principal unless you submit standing instructios on how you want the payments applied and pay enough each month to cover the interest.
If the loans go into forbearance, which apparently they did during his incarceration, then any unpaid interest is capitalized which is interest accruing on top of outstanding interest, so yes, he still owes any remaining interest.
It’s not their fault he did not read and understand the terms.