Consumer complaint received 2018-06-18
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
University of XXXX Student Loan Forgiveness Student Loan Forgiveness, Refunds & Relief Programs for University of XXXX Students Ive got great news for XXXX students ; in 2018, its not just possible, but easy to qualify for University of XXXX loan forgiveness benefits via the Borrowers Defense Against Repayment Program. 

Why? Because XXXX has been accused of committing all sorts of fraudulent activities, violating both State and Federal laws, and essentially running a huge scam operation to extract money from not just individual Americans, but also the Federal Government, and even the Defense Department ( via military student loans ). 

This post will explain how you can use the Borrowers Defense Against Repayment Program to cash in on University of XXXX student loan forgiveness benefits, wiping out your XXXX student loan debt for good, and potentially even getting a refund for any money youve already paid XXXX or their parent company, the XXXX XXXX XXXX. 




But Before We Get Into It Let me offer you a short-cut to getting your loans dischargeds : instead of spending the next hour or two reading this post, checking out other pages of my site, and frantically XXXX  for additional details, try calling the Student Loan Relief Helpline instead. 

Why? Because just 5-10 minutes of talking to the Helpline staff will let you determine whether or not you actually qualify for a Borrowers Defense Discharge, saving you a ton of time and stress, because determining this on your own is a complicated process that requires a lot of research. 

The Student Loan Relief Helpline can even help you fill out all the Borrowers Defense Against Repayment paperwork, ensuring that you complete everything correctly, and increasing the chances that your application will be approved for a loan discharge. 

Your first call to the Helpline is free, and youll only be charged if you agree to let them work on your case for you, so youve got nothing to lose but a few minutes of your time. 

To get help discharging your University of XXXX loans, call the Student Loan Relief Helpline now at XXXX. 



How Can I Use Borrowers Defense to Discharge XXXX  Loans? 
Under the Borrowers Defense law, youre able to discharge student loans that were taken out to attend a school who committed fraud by doing something, or failing to do something, like misrepresenting their services, or violating some other state law related to your loans or related to the education services that they provided you. 

In the case of University of XXXX, its pretty clear what you need to do, which is to file a Borrowers Defense Against Repayment Application stating that XXXX defrauded you by convincing you to take out student loans to pay for their higher education programs because they falsely advertised inflated graduation rates and job placement stats. 

Essentially, youll be accusing the school of false advertising, in that youre saying you wouldnt have attended the school ( and thus never would have borrowed the student loans ), had you known that University of XXXX graduation rates and job placement rates were actually much lower than those that they advertised. 

The really good news is that if your application is approved, your entire University of XXXX loan will be forgiven, and you may even qualify for a refund for any amount of money that you have already paid to the school or their parent company, the XXXX XXXX XXXX. 




How to Support Your Borrowers Defense Claim When you file your Borrowers Defense claim, you need to make it very clear that youre suggesting the Department of Education provide forgiveness benefits for your University XXXX XXXX loans because they were only taken out in the first place thanks to the schools illegal activity. 

In other words, you need to clearly state that you never would have borrowed the money if the school hadnt lied to you about something, or tricked you in some way, or made some sort of false promise that they didnt, or couldnt deliver on. 

Pay close attention to this point, because its the most important of this entire post : in your application, you will need to clearly explain exactly what the school did to defraud you, otherwise youll be denied the discharge and will have to continue making payments toward your outstanding loan balance. 

Read through the options below to see which one of these things University XXXX XXXX is accused of doing fits best with your specific situation, and then use that as your argument for why you deserve a discharge in your application. 





XXXX is accused of some pretty terrible stuff, and the details of their problems emerged after a Whistleblower lawsuit from XXXX parent company, XXXX XXXX XXXX, became public knowledge when XXXX revealed details of the lawsuit in an SEC filing ( which tanked their stock, btw ). 

University XXXX XXXX has been accused of submitting false information about its student aid statistics to the Federal Government, which allowed the school to qualify for additional federal funding that it never should have been able to receive. 

false advertising behavior related to inflating graduation and job finding rates, because those seem like the things most likely to convince someone to take out loans for attending XXXX.

Company response to consumer: Closed with explanation