If you have questions about your other options or you want to discuss your best strategy to tackle your student loan debt, contact our office and speak with a representative that can help you with this. If you don’t know who services your loans, there are a few simple ways to sort that out. There is so little information on how/if these institutions are communicating. Tim's experience struggling with crushing student loan debt led him to create the website Forget Student Loan Debt in 2011, where he offers advice, tips and tricks for paying off student loans as quickly and affordably as possible. This is the company or organization that you send your monthly student loan payments to. How To Get Student Loan Forgiveness For Nurses. They were located in 14 different states and belonged to a network of schools under the Anthem Education Group brand. Email it to them, post a link to the site on Facebook, Twitter, Tumblr, or Reddit. Reliant Capital Solution Review & How to Stop Collection Calls. i need help desprately, what do you suggest i do now? After 20 or 25 years the balance of your student loans will be forgiven. so i figure discharge is my only other option. See the Department’s fact sheet.Corinthian, Inc. Corinthian was a large for-profit chain of schools. They had a class action lawsuit come against them and they had to settle and pay people back. The next option for federal student loan students to have all their loans forgiven will be through the Borrower Defense to Repayment program. Called a “Closed School Discharge”, this program allows you to wipe out student loan debt from a school that shut down before you were able to finish their program. Please note that this will invalidate your opportunity to receive the Closed School Discharge, but it will allow you to continue with your education program without the setback of lost time and effort. Use a Personal Loan to Pay Credit Cards Off Fast. Don’t let student loan debt eat you alive, take the necessary action to get rid of this debt. ITT Technical Institute (often shortened to ITT Tech) was a for-profit technical institute.Founded in 1969 and with approximately 130 campuses in 38 states of the United States, ITT Tech was one of the largest for-profit educators in the US before it closed in 2016.. Good question, and honestly, I’m not entirely sure, since it sounds like you accepted the teach out, but then changed your mind? Payments are based on 10% of your discretionary income, and this needs to be updated every year even if your income remains the same. Definitive Guide to Credit Card Debt Settlement. Save my name, email, and website in this browser for the next time I comment. I went through the 2 years thinking that I was going to find work and make a better life for me and I ended up not being able to find work in Massage Therapy nor anywhere else and being underestimated over and over and over again. Hi Tim! i was 7 total weeks from getting my degree. To find out about the programs you might be able to use, take a look at my articles on getting Help with Private Student Loans, including: If you have any other questions about student loans, please post them in the Comments section below and I’ll do my best to get you a response within 24 hours! The more people who visit my site, the more time I can dedicate to producing detailed, informative, and helpful content like this. In this case, you can apply for False Certification Discharge. Keep in mind, however, that even if you do not qualify for the Closed School Discharge, you may still be able to challenge the validity of your debt via the Borrower’s Defense Against Repayment Program, which is especially powerful against the types of schools that have been closing down in recent years (most of these schools that shut were for-profit schools, online schools, or schools with dubious reputations, etc.). Student loans for ITT Technical Institute may be dischargeable if you meet certain requirements. The … Below you’ll find some of the most common questions regarding the Closed School Discharge program. They have several different business names but it’s a scam. Student Loan Relief During the Coronavirus Crisis. I’m in the last two terms of my BSN (now under Purdue global) can I apply for forgiveness as well? One important thing to keep in mind is that you’ll need to continue making payments until your loan servicer tells you (in writing) that you don’t have to issue them anymore. High Tech Institute was based out of Phoenix Arizona and as a result of an acquisition of Electronic Institute of Arizona, by Dennis and Marilyn Pobiak. Managing this site and producing all this content is a time-consuming, expensive process for me, and I can only continue to do it with the support of the community (meaning YOU!). If you satisfy those requirements, the Discharge approval is basically an automatic process, and one that’s relatively easy to get, so I would highly recommend that you pay close attention to this post and follow the application instructions closely, because doing so gives you a really good chance for having your student loan debt entirely forgiven. ITT Technical Institute shut down on Tuesday, closing its 130 campuses nationwide. classes were gone and there was an email stating “oops we’re closed!”), but it closed right after my last and FINAL class had just started. They explained to me that this is what they do so I do not have to make payments while they do what they need to do to make the loans go away. That never happened. Once a decision has been determined regarding your application, your loans will be discharged or repayment status will begin. Another Argosy student here…. ), your credit is likely to be impacted. Federal Student Loan Forgiveness Programs, Borrower’s Defense Against Repayment Program, Erase Student Loan Debt Without Paying For It, Federal Student Loan Delinquency & Default, The Federal Student Loan Rehabilitation Program, Private Student Loan Forgiveness Programs, 2020 Guide on How to Get the Best Student Loan, 2020 Guide to Avoiding Student Loan Debt Forgiveness Scams, 2020 Guide to Federal Student Loan Servicers, Guide to 2020 Presidential Candidate’s Views on Student Loans & College Debt, How to Get Rid of Student Loan Debt in 2020, 2020 Guide to Federal Student Loan Debt Relief Programs, 2020 Guide to 401(k) Matching for Student Loan Debt Payments, 2020 Guide to Federal & Private Student Loan Grace Periods, 2020 Guide to Federal Student Loan Bankruptcy Discharges, 2020 Guide to Federal Student Loan Delinquency & Defaults, 2020 Guide on How to Stop a Student Loan Wage Garnishment, 2020 Guide to the Navient Student Loan Lawsuits, 2020 Guide to the Best Federal Student Loan Repayment Plans, 2020 Guide to Federal Income-Driven Student Loan Repayment Plans, 2020 Guide to the Income-Based Student Loan Repayment Program, 2020 Guide to the Income-Contingent Student Loan Repayment Plan (ICR), 2020 Guide to the Pay As You Earn (PAYE) Student Loan Repayment Plan, 2020 Guide to the REPAYE Federal Student Loan Repayment Plan, 2020 Guide to the Federal Student Loan Rehabilitation Program, Betsy DeVos’s Unrelenting Attack on Student Loan Borrowers, Elizabeth Warren’s Student Debt Cancellation & Free College Plan, Senator Marco Rubio’s New Student Loan Proposal: The LOAN Act, 2020 Guide to Federal Student Loan Forgiveness Programs, 2020 Guide to Art Institute Lawsuits, Loan Forgiveness & Debt Discharges, 2020 Guide to Brown Mackie College Lawsuit, Loan Forgiveness & Refunds, 2020 Guide to College of New Rochelle Student Loan Forgiveness Benefits, 2020 Guide to Concordia University Student Loan Forgiveness, 2020 Guide to Everest College Loan Forgiveness, Lawsuits & Discharges, 2020 Guide to Full Sail University Student Loan Forgiveness Benefits, 2020 Guide to Great Lakes Lawsuits, Loan Forgiveness & Refunds, 2020 Guide to Green Mountain College Student Loan Forgiveness, 2020 Guide to Marygrove College Student Loan Forgiveness, 2020 Guide to Newbury College Student Loan Forgiveness, 2020 Guide to Parent PLUS Student Loan Forgiveness & Discharge Programs, 2020 Guide to Student Loan Forgiveness Benefits & Taxable Income, 2020 Guide to Student Loan Forgiveness Programs by State, 2020 Guide to California Student Loan Forgiveness Programs, 2020 Guide to Florida Student Loan Forgiveness Programs, 2020 Guide to Georgia Student Loan Forgiveness Programs, 2020 Guide to Illinois Student Loan Forgiveness Programs, 2020 Guide to New York Student Loan Forgiveness Programs, 2020 Guide to Pennsylvania Student Loan Forgiveness Programs, 2020 Guide to Texas Student Loan Forgiveness Programs, 2020 Guide to the American InterContinental University Lawsuit & Loan Forgiveness Program, 2020 Guide to the Anthem College Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the Capella University Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the Career Education Corporation Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the Colorado Technical Institute Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the FedLoan Lawsuit & Student Loan Forgiveness, 2020 Guide to the Heald College Lawsuit & Loan Forgiveness Program, 2020 Guide to the Kaplan University Lawsuit, Refunds & Loan Forgiveness, 2020 Guide to the Le Cordon Bleu Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the National Health Service Corps Loan Repayment Program (NHSC LRP), 2020 Guide to the National Health Services Corps (NHSC) Scholarship Program, 2020 Guide to the NHSC Students to Service Loan Repayment Program, 2020 Guide to the University of Phoenix Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the Walden University Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the Westwood College Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the WyoTech Lawsuit & Student Loan Forgiveness Program, 2020 Guide to the Public Service Loan Forgiveness Program (PSLF), 2020 Guide to Teacher Student Loan Forgiveness Programs, 2020 Guide to the Stafford Loan Forgiveness Program, 2020 Guide to Government Employee Loan Forgiveness Benefits (via PSLF), 2020 Guide to the Corinthian Colleges Lawsuit & Student Loan Forgiveness, 2020 Guide to Using the Borrower’s Defense Against Repayment Program, 2020 Guide to Sweet v. DeVos – The BDAR Class Action Lawsuit Against Betsy DeVos, 2020 Guide to President Obama’s Student Loan Forgiveness Program, 2020 Guide to the ITT Tech Lawsuit, Student Loan Forgiveness & Debt Discharges, 2020 Guide to the ITT Tech (CUSO) Private Student Loan Debt Cancellation Program, 2020 Guide to Getting a Closed School Student Loan Discharge, 2020 Guide to Argosy University Refunds, Discharges & Student Loan Forgiveness, 2020 Guide to Brightwood College Refunds, Discharges & Student Loan Forgiveness Benefits, President Trump’s Student Loan Plan Per the 2020 Budget Proposal, 2020 Guide to Federal Student Loan Consolidation, 2020 Guide to Federal Student Loan Forbearances, 2020 Guide to Federal Student Loan Deferment Programs, 2020 Guide to Private Student Loan Relief Programs, 2020 Guide to Private Student Loan Forgiveness Programs, 2020 Guide to Aequitas Capital Student Loan Forgiveness, 2020 Guide to Citibank Student Loan Refunds, Forgiveness & Discharges, 2020 Guide to National Collegiate Private Student Loan Forgiveness Benefits, 2020 Guide to Navient Student Loan Forgiveness Benefits, 2020 Guide to the DeVry Lawsuit, Loan Forgiveness & Discharge Program, 2020 Guide to Private Student Loan Consolidation Programs, 2020 Guide to Private Student Loan Bankruptcy Discharges, 2020 Guide to Getting Out Of Private Student Loan Default, 2020 Guide to Student Loan Forgiveness for Nurses, 2020 Guide to the HRSA Faculty Loan Repayment Program (FLRP), The NHSC Substance Use Disorder Workforce Loan Repayment Program (NHSC LRP & SUD), 2020 Guide to the NURSE Corps Loan Repayment Program (LRP), 2020 Guide to the NHSC NURSE Corps Scholarship Program, 2020 Guide to Perkins Loan Forgiveness for Nurses & Licensed Medical Technicians, 2020 Guide to Non-Profit Student Loan Forgiveness, 2020 Guide to Student Loan Interest Tax Deductions, 2020 Guide to Income Share Agreements (ISAs), 2020 Guide to the Forever GI Bill’s Military Education Benefits, The school you were attending closed while you were still enrolled, and you weren’t able to complete your education program because of the closure, The school you were attending closed within 120 days after you withdrew from their program, The school closed more than 120 days after you withdrew from courses, You’re now attending a similar educational program at another school, after having transferred academic credits from the school that shut down, through a “teach-out” agreement, or by any other comparable means, You completed all the required coursework in the program, even if you didn’t yet get your official diploma or certificate for completion. If you are looking for High Tech Institute Loan Forgiveness Options, you can choose several repayment options, and the Borrowers Defense to Repayment, depending on your qualifications for the programs. therefore when I applied for financial aid for my BSN they told me I had no more financial aid left because of the pay I received over two years as a tutor. Even if you can’t use the Closed School Loan Discharge Program, that doesn’t mean you need to give up because there are sorts of other assistance programs available to people with Federal debt. If you have federal student loans and are currently enrolled or recently left a college or university that has shut its doors, you may be able to discharge (cancel) your loans if you apply for a loan discharge . Debt Strategists is not a loan servicer or originator.People with student loan debt have the legal right to use an attorney or process federal student loan documentation on their own behalf without paid assistance. Since each servicer has a different applications process, you’ll need to get in touch with whoever services your debt to figure out what they need to process your application. Best of luck to you!! Some people can’t figure out how to deal with their loans, that’s why third party companies exist. This is actually the SECOND Argosy closure I’ve endured. The first time they closed my Dallas campus, but offered to keep me in the online only part so I stuck it out… this second closure… well… I’m out! If you can’t sort out the website login, then you can call the Federal Government’s official student aid phone number at 1-800-4-FED-AID (1-800-433-3243) and ask them who services your loan. In fact a lot of companies don’t take my degree. When you set off to an institute of higher learning, the last thing on your mind is the school abruptly closing their doors or defrauding students. the Art Institute has screwd me over ten fold. Many people are being affected by schools closing down, and it’s likely that this population will only increase moving forward, since there are several very large for-profit school systems that are having trouble staying open for business. If you plan to make a claim using the BDAR strategy, do not delay. not only was this shocking because i was never warned about this (just found out after logging in one day to do school work, and boom. Debt Strategists is a private company and does not claim to be affiliated with any Federal, State, or Local Government agencies. They denied me of financial aid and convinced me to take out Studnet loans. I only had one class left for my degree. Approval of any application for loan discharge is determined by the Department of Education, your loan servicer, and/or their agents. MORE: ITT Technical Institute closes all schools The closure affected about 40,000 students in 38 states. Check the section of this page above called “Who Is My Loan Servicer”, which details the process of figuring out who services your loans. The company closed schools over time and then filed for bankruptcy in 2015. Contacting this agency will allow you to see if you’re eligible for any State funds, and it’s worth checking, because a five minute phone call could save you thousands of dollars. Those are your options. Facing lawsuits and financial losses, Chubb Corporation put the school for sale in 2004 and eventually sold it for $1 to a partnership of private equity firms called Great Hill Partners and the High-Tech Institute, a network of similar technical schools based in Phoenix, Arizona.Chubb Corporation recognized a $31 million loss from the sale. i’m at a loss here. I have already applied for student loan discharge and currently my loans are in forebearance. A federal judge gave final approval of a $600 million settlement that will erase nearly 750,000 students’ debt owed to ITT Technical Institute. First, things got interesting when the Corinthian Colleges system (Heald, Everest and Wyotech) collapsed in 2015, then the heat really ramped up when mega-schools ITT Tech and Westwood College closed in 2016. In addition to documents supporting your claim, you will also need to provide the following: Once you have completed and submitted your application for claim under the Borrowers Defense to Repayment Discharge, your loans will either be placed in stopped collections or forbearance status. For full functionality of this site it is necessary to enable JavaScript. AINYC officially shut down fully about two years ago, but the culinary program had already begun to close before I withdrew from the school (they stopped accepting new students that very semester. I would like to be more clear on the subject in order to make informed decisions regarding both my education and my finances. And what’s especially awesome about the Closed School Discharge program is that you can still qualify for the discharge even if you were on an approved leave of absence from the school when they shut down. Do I qualify for Loan discharge Or School closing or Borrower’s Defense Against Repayment Program? When you received your loans determines how much and for how long you will need to pay. Can I still qualify for the School Closure Loan Forgiveness? Everything is reported to the Department of Education, that’s how they know. It is a scam! As previously announced, students currently enrolled — or enrolled in the last 120 days — at one of the 130 ITT Tech campuses are now eligible for a federal student loan discharge. And that’s what makes Closed School Loan Discharges the single best way to Erase Student Loan Debt Without Paying For It. Even with this merger and the promises of expanded educational programs Anthem Education Group filed bankruptcy and closed its doors in 2014. Keep in mind that if you transfer the credits you’ve earned at ITT Tech toward a comparable program at another school and you complete or are in the process of completing that program, you will not be eligible to receive a closed school loan discharge. They have been sanctioned in the past by the Accrediting Commission of Career Schools and Colleges of Technology (ACCSC) and lost accreditation for several of their educational programs. Anthem/Bryman/High Tech. I am not going to. Because you’re going to get a refund for any and all payments you made previously on your eligible student loan debt, either voluntarily or through forced collection processes (like wage garnishments, etc. You may be eligible for borrower defense to repayment of the federal loans you took out to attend a school such as the now-closed Corinthian College, ITT Tech, American Career Institute “ACI,” DeVry University, The Art Institutes, and more. The High-Tech Institute was founded in 1982 in Phoenix, Arizona. It’s the same thing as “Loan Forgiveness” – a complete wiping out of all the debt that you still owe, but in the case of the Closed School Loan Discharge program, it’s even better… because this program doesn’t just forgive your remaining debt… it also REFUNDS everything you’ve already paid. hi, i’m at a total loss here… a good bit of months ago, my online school, the Art Institude of Pittsburgh Online devision closed down. If I apply for school closure forgiveness do I lose my hours? After 25 years any remaining balance of your loans will be forgiven. This is a particularly powerful option for anyone who attended one of the huge for-profit schools that closed their doors in recent years as the higher education industry collapsed. i RAN OUT of finantial aid. Darla. I withdrew from the school late in 2008 due to the fact that I couldn’t get anymore loans and I couldn’t afford to pay the school directly. You might have gotten very, very lucky! This option is only a possibility if your school closes. I would definitely try to apply for it just in case, because it still may work. Yeah, take a look at my Guide to Kaplan Loan Forgiveness. Mohela Loan Forgiveness: What options do you have? You may be eligible for loan discharge if you were enrolled with ITT Tech at the time it closed, or if you withdrew on or after May 6 th, 2016, and you did not complete your program. How To Get Student Loan Forgiveness For Social Workers. Its a shame that the (financial and recruitment) operation of AI is such a scam, because I truly did feel like I got a great education . Once you’ve received the application paperwork from your loan servicer, fill it out completely, then submit it via whatever means they allow (some loan servicers allow Internet-based applications, while others will need them faxed, or sent via snail mail). You can apply for forgiveness, but if you get the forgiveness it’ll mean sacrificing your credits. I read in another website that if a loan is discharged but then the individual ends up completing that program of study at another institution, they may have the discharged loans reinstated and be responsible for paying them. You aren't eligible for loan discharge if you transferred your credits to another school, or if you completed the coursework for ITT Tech, regardless if you actually received a diploma. And that’s another great thing about this program, because many people won’t even find out about it until long after their schools have shut their doors. I attended the Art Institute of New York City’s Culinary program. I was lied to about the possible earnings after getting my degree, they talked me into being a student tutor but never told me that I wasn’t getting paid through the college, it was actually coming off my financial money. (a) Basis for discharge - (1) False certification. I highly recommend calling your student loan servicer directly and discussing it with them. People with a ton of debt will probably want to choose the discharge, while people really close to completing their educational program will probably want to apply for transfer credits. For some students, it makes more sense to transfer credits and finish the program than it does to get the money back (especially if you’re really close to finishing). Le Cordon Bleu - Online. High Tech Institute acquired Chubb Institute (part of Anthem Education Group) in 2004. If you don’t see your question listed below, please feel free to post in the comments section at the bottom of this page and I will do my best to answer your question as quickly as possible. If you’re having trouble getting the paperwork from your loan servicer, then you can grab the 2016 Closed School Discharge Application Form here instead. Once you know who services your loans, you can contact them to ask how much money you still owe, and then determine which option (the Closed School Discharge or the Transfer Credit process) will work best for you. Kate, I am also an ex Argosy student. we were told that the school would stay open until everyone already enrolled completed their program). Obviously, replace “YOURSTATE” in the previous sentence with whatever state you live in. Sabrena. Credit Adjustments Inc Review & Ways to stop collection. One of my classmates recently received a letter that his school loan would not be discharged because he was offered the teach-out, even though he did not take that option. As an example, if you’re from Texas, you’d search the phrase “Texas Postsecondary Education Agency”, and you’d get results with their website, phone numbers, email addresses, etc. The easiest way to figure it out is to look at your monthly student loan bills to see who your payments are being sent to. I graduated from Illinois Institute of Art (Art Institute) in Chicago Illinois in December of 2004. You must have either been still enrolled at ITT when it closed on September 6, or had withdrawn from the school within 120 days before that date. but no worries, right? You can then try Googling their name and address, and should be able to quickly identify the company and find their contact information. Try calling the Department of Education’s official BDAR Hotline to see what they think: 1-855-279-6207. How To Get Student Loan Forgiveness For Police & Law Enforcement. How can the Federal Student Loan people see if a student has transferred credits or has been offered a teach out or eventually finished their program of study? Argosy University. I never withdrew from school/classes, but I never officially returned either. Most of us were pushed into signing on, but then some of us changed out minds later. To find out if you’re eligible for this benefit, you need to contact your state’s Postsecondary Education Agency.” This is the group that runs higher education in your state, and who is responsible for determining laws, monitoring compliance, enforcing regulations, etc. If you STILL can’t figure out who services your loans after trying all of the above, then you probably won’t be able to sort out your Closed School Discharge paperwork, and I would absolutely recommend enlisting the help of one of the paid services available. If you had credit problems resulting from your student loan debt, then those are likely to clear up, because your discharge will be reported to the credit bureaus and any negative activity on your report will be cleared. Ooooh, this is tricky. I have not heard anything from the school. Undecided on whether to finish, but do not want to give up that option if I decide to go back…. The options for repaying your High Tech student loan debt, include: The Borrowers Defense Against Repayment Discharge applies if the school’s misrepresentations or fraudulent behavior affected you personally. As of 2019, laws changed reducing the amount of time you have to file the claim. This guide will help you determine what you need to do for High Tech Institute loan forgiveness, and how it works. Graduated, you should qualify or any other documentation that can validate your dates of enrollment and program study... 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