Borrower Defense

Don't Wait. Act Now. 

The law is clear: students who were cheated or misled by their colleges are entitled to have their federal student loans cancelled through a process called Borrower Defense to Repayment. But too many borrowers don’t know about it. Other people know about it, but don’t trust the process.

We get it. We have been the first to hold the Department accountable for failing to follow the law on borrower defense. Because borrowers have come forward and have fought back, we have made progress. In the past six months, the Department has granted more borrower defense applications than ever.

But this is only the tip of the iceberg. Only a small fraction of people affected by blatant misconduct by predatory institutions have asked to have their loans cancelled. For example, the Department of Education has only received a few hundred thousand applications for borrower defense, ever. Yet we know that more than 700,000 people attended ITT alone – and that is just one of numerous notoriously predatory schools. If you attended a for-profit college or know someone who did, don’t wait. Act now.

Spread the Word!

Join us in encouraging those who were cheated by a predatory for-profit college to apply for the debt cancellation they are legally owed under borrower defense. This process is free, and does not require special expertise.

Here’s how you can help.

  • Post on social media (Examples for Twitter and Facebook)
  • Post in community groups with fellow student borrowers
  • Email friends and former classmates to make sure they’ve filed their borrower defense
  • Say no to scammers. The borrower defense application is straightforward and free. Anyone who asks you for money to file an application is a scammer.

Student Stories

There are hundreds of thousands of students across the country who have been cheated by the predatory for-profit college industry and are eligible to have their fraudulent loans cancelled through borrower defense. Many have applied. Some have received much needed relief. Many more don’t even know this is an option. These are just a few of their stories.

"Everest Institute robbed me of my education – I received nothing but a pile of debt from them. Cancelling these loans won't reverse all the harm they've already caused, but it would at least be a fresh start."

- Amanda Kulka


If you or your friends and peers have questions about the borrower defense process and how it works, including if you’ve already submitted a claim, please reference our FAQ page.