So I had over $27,000 in student loans and I got them discharged via the Borrowers Defense to Repayment method. But most people don’t understand that at all. I posted about it. I tried to explain it is not what people originally think of when they hear student loan discharge. But I still got a snarky response. I’m also well aware that by posting this, many people will get upset because they don’t understand either. But I want to explain the difference as I see it. Feel free to comment on the topic below, but please actually read about the Buyer’s Defense to Repayment process before you do. First, I will discuss what it’s not.
On the first point, I agree to the idea that the government enables bad behavior to continue. That's also why I was against Biden's plan to just freely forgive debt without going after the predatory colleges. The colleges need to experience negative feedback to stop doing what they're doing.
On the second point, children can be given debts when they don't consider colleges to be worth the money they're spending on them. It's often the adults who think it's worthwhile, not the children. And, sometimes the children are outright lied to. That's why there is a group called "The Project on Predatory Student Lending".
Obviously oftentimes people sign up for loans because they think there is something of greater value that they're getting, but it's erroneous to say the opposite has never ever happened, especially when you see someone saying they experienced it.
I have no problem extracting repayment for proven fraud but it is not the role of the Executive to do so on the taxpayer dime; particularly in the conduct of election fraud. Biden cares not one whit about you or your claims to having been duped; he expects your vote in exchange for his largesse with stolen money.
The federal government shouldn't be giving out loans to students in the way they've been doing it for decades. At least the BDR complaints are trying to fix their mistakes and goes after the schools for the money eventually.
The BDR has nothing to do with Biden. My claim started before Trump was even in office. Biden is trying to do something completely different and illegal. But I mentioned that in the article. I don't know why you brought him up. FJB.
It's almost been a decade since I filled out the original forms and they were long as I said. I also had two different cases. But I can let you know the major issues (as I remember) for them. Minnesota School of Business (MSB) was offering a web design program. I took out loans to get a degree in web design and they closed the program down while I was in the middle of the program, so I never got my degree. MSB was named on a list in Sweet vs. Cardona (a class action lawsuit).
I looked up why they were one of the colleges named specifically, and I'm not sure, but this looks like it could be the reason, "In 2016, the Hennepin County District Court issued an order finding that MSB and Globe engaged in consumer fraud by misrepresenting that students could pursue careers as Minnesota police or probation officers by enrolling in their “criminal justice” program. In truth, the degree — which cost between $40,000 and $80,000 — provided no value towards pursuing those careers. The Court’s findings detailed how the fraud was pervasive and deeply harmed students who wasted time and took out crushing debt as a result" https://www.ag.state.mn.us/Office/Communications/2021/03/16_MSBGlobe.asp
The other case I put together was for a 4-year college where I was led to believe there was a big demand for "Human Computer Interaction" studies so I switched majors to a shoddily put-together hybrid major that didn't translate well into me getting a job with that background. No one even knows what HCI is. I have to explain it's like User Experience (UX) studies, but not really. And even now that there are UX researchers out there, most companies don't use them, they just make design changes people hate most of the time.
If you are or know someone who is thinking this might work for them, I will suggest checking out the Project on Predatory Student Lending (originally from Harvard U) website. https://www.ppsl.org/
I started with them, I think in 2016, and I have been on their email newsletter since and I filled out their form (linked to in the top banner of the page - on the Sweet relief) and it was quickly thereafter that I got it taken off my student loan account.
Relying on government (taxpayer dollars) to backstop personal foolishness can only lead to increasing personal foolishness.
Side note: No one has ever given a debt. The debtor takes on a debt in exchange for something they consider of greater value.
On the first point, I agree to the idea that the government enables bad behavior to continue. That's also why I was against Biden's plan to just freely forgive debt without going after the predatory colleges. The colleges need to experience negative feedback to stop doing what they're doing.
On the second point, children can be given debts when they don't consider colleges to be worth the money they're spending on them. It's often the adults who think it's worthwhile, not the children. And, sometimes the children are outright lied to. That's why there is a group called "The Project on Predatory Student Lending".
Obviously oftentimes people sign up for loans because they think there is something of greater value that they're getting, but it's erroneous to say the opposite has never ever happened, especially when you see someone saying they experienced it.
I have no problem extracting repayment for proven fraud but it is not the role of the Executive to do so on the taxpayer dime; particularly in the conduct of election fraud. Biden cares not one whit about you or your claims to having been duped; he expects your vote in exchange for his largesse with stolen money.
The federal government shouldn't be giving out loans to students in the way they've been doing it for decades. At least the BDR complaints are trying to fix their mistakes and goes after the schools for the money eventually.
The BDR has nothing to do with Biden. My claim started before Trump was even in office. Biden is trying to do something completely different and illegal. But I mentioned that in the article. I don't know why you brought him up. FJB.
Agree on all counts.
Government has done it's best to destroy education. I wish you well.
Can you elaborate on what you said to get your claim approved?
It's almost been a decade since I filled out the original forms and they were long as I said. I also had two different cases. But I can let you know the major issues (as I remember) for them. Minnesota School of Business (MSB) was offering a web design program. I took out loans to get a degree in web design and they closed the program down while I was in the middle of the program, so I never got my degree. MSB was named on a list in Sweet vs. Cardona (a class action lawsuit).
I looked up why they were one of the colleges named specifically, and I'm not sure, but this looks like it could be the reason, "In 2016, the Hennepin County District Court issued an order finding that MSB and Globe engaged in consumer fraud by misrepresenting that students could pursue careers as Minnesota police or probation officers by enrolling in their “criminal justice” program. In truth, the degree — which cost between $40,000 and $80,000 — provided no value towards pursuing those careers. The Court’s findings detailed how the fraud was pervasive and deeply harmed students who wasted time and took out crushing debt as a result" https://www.ag.state.mn.us/Office/Communications/2021/03/16_MSBGlobe.asp
The other case I put together was for a 4-year college where I was led to believe there was a big demand for "Human Computer Interaction" studies so I switched majors to a shoddily put-together hybrid major that didn't translate well into me getting a job with that background. No one even knows what HCI is. I have to explain it's like User Experience (UX) studies, but not really. And even now that there are UX researchers out there, most companies don't use them, they just make design changes people hate most of the time.
Thanks! I appreciate the insight into how this program could work.
If you are or know someone who is thinking this might work for them, I will suggest checking out the Project on Predatory Student Lending (originally from Harvard U) website. https://www.ppsl.org/
I started with them, I think in 2016, and I have been on their email newsletter since and I filled out their form (linked to in the top banner of the page - on the Sweet relief) and it was quickly thereafter that I got it taken off my student loan account.