If you qualify both programs as a result of an art institute scam you face or any other issue, it can be a tough decision. Before choosing one, consider your conditions. Closed School Discharge is a fast solution that can bring a full elimination of debt. However, you should not pursue a comparable degree at a different university to be eligible. On the other hand, Borrowers' Defense to Repayment requires complete proof of the case, and you will not be able to get forgiveness if you cannot prove that you faced misconduct.