My name is Valerie Morgan,I really need to speak to someone about this as my situation may be slightly different than most. I felt some of the classes should have been better taught, as in more in depth of the subject which really didnt go along with the subject I was taking. At an income tax rate of 30%, youd need to pay the IRS $30,000, but the worst part about it is that the IRS typically wants you to pay them in a single, lump-sum payment all at once, unlike student loans which are broken up and stretched out over a period of years. These are real, legitimate loan forgiveness programs created by the Federal Government and designed to help former students of Kaplan University receive loan forgiveness. We write to inform you that there is a proposed settlement in a class action lawsuit that could affect your claim and to explain how your legal rights may be affected by that lawsuit. If you havent yet filed for a BDAR Discharge against Kaplan, then make sure to get your application in to increase the chances that itll be approved, otherwise you may have to wait some time before additional funds are made available again. do you think i will qualify? But the the Borrowers Defense certainly would but I uncertain if too much time has passed. NOW the Board of Ed is trying to work work me in adjusting my monthly payment!?! Founded in 1938 by Stanley Kaplan, the company offers a variety of test preparation, professional training, career development, language training, university and student support services. Under the settlement, the department would have 18 months to make final decisions on around 170,000 applications for loan forgiveness. Finally, disbursements came through and they sent over my transcripts to a community college and I met with a counselor and was told that NONE of my credits can be transferred over, when I was told by Kaplans counselor that I would be able to. Do you feel that they enrolled you even though you werent qualified? they changed the programs grading courses to pass or fail. How did they mess up your loans? I think I could have a case, but have no idea how to provide proof of the claims they made. I was wondering if I qualify for the Borrowers Defense. If they said they were accredited, but were lying about it, then you may be eligible for a BDAR Discharge. If any of these things happened to you, then remember that your loan should be forgiven, and more importantly, that you can use these as the reasons for why your loan should be discharged on your BDAR application. . The main difference between BDAR and Closed School Discharges is that applications for the Borrowers Defense program are taking quite some time to process, with many people reporting waiting over a year to even hear back from the Department of Education. Why? Thank you! Do you think I qualify for any loan Discharge? This sounds kind of complicated, and the specifics matter. By the way the one time I needed to speak to a teacher,she responded to my question with a question. Thats probably why you ended up owing much more than you thought you would. I also made regular payments of about $300 a month from October until April when I began my divorce. Hi Tim I came across your great article while looking at going back to school for something I can actually use. Can you guide me? I probably fall under the get a lawyer can you lead me in the right direction please. For help with Federal Student Loans call the Student Loan Relief Helpline at 1-888-906-3065. This sounds pretty crazy though as Ive never heard of a 10 year deferment, EVER. I havent been able to figure out when my school changed hands/ closed and if that would apply to me. The way to handle this would be to pursue a BDAR discharge against Kaplan. Hi Tim, I can not find any information with a number for Kaplan. What can I do to help her? I used to be a former student of kaplan in san diego for vocational nursing. I do not think that suggesting she finance via Private lenders would qualify for BDAR, especially because BDAR is only available to people with Federal Student Loans. I filled out application, etc. You need to show that they were committing illegal activity, so be more specific in your explanation. The civil trial stems from a lawsuit filed in November 2022, after New York passed a law that eliminated for one year the statute of limitations for adults who claim they were sexually assaulted . I think you file the BDAR Discharge against Kaplan. She didnt seem to really care, and enrolled me in a college algebra course. I was told there was 100% job placement and that my financial aid would cover the entire amount of the program. You need to deal with the fact that youve got some serious debt that hasnt been taken care of here. Read my post again and look at the types of reasons that people would qualify for them. However, the choice is ultimately up to you. April 26, 2022 at 12:57 p.m. EDT. Do any of the problems with Kaplan itself suggest that I have a chance to have my loans forgiven? Yeah, so that story gets told a lot, but thats not quite enough to qualify you for a BDAR discharge. My situation is that at the time I was making very little money. You can find the official US government application for the Borrowers Defense program here. When you apply for the discharge, make sure that you hiighlight specific details about what Kaplan College enrollment advisors, advertisements or other official information told you in order to entice you take out the student loan. In fact, Betsy DeVos, our Education Secretary, has been trying to eliminate the Borrowers Defense program entirely ever since she was appointed by President Donald Trump, who also seems to be against BDARs existence. I feel guilty because I cannot even get a job with the degree that shes paying for. Hello, I am a Veteran & recently was TRICKED by a Company calling themselves STUDENT SS C-R; supposedly they are out of California, I paid them $820.00 to help me with my Kaplan Student Loan. That meant there were up to an additional 80 credits that my financial aid paid for that now I was not going to be able to get credit toward the original grandfathered claused program as I was promised at the beginning. Every year my tuition goes up and by the time I almost graduated in college in 2012 The school told me that they could not help me out to continue for college. They will review your case, evaluate your options for switching repayment plans, consolidating your loans, or pursuing forgiveness benefits, then set you up to get rid of the debt as quickly as possible. If any of this sounds familiar to you, then you need to apply to the Borrowers Defense Against Repayment program because youre absolutely entitled to claim student loan forgiveness since your loans were created based on deception and lies. But thats not all, because there are two other conditions you need to satisfy as well: If you satisfy these requirements theres a very good chance that youll be able to obtain student loan forgiveness for your Kaplan loans. I dont think this example youve shared is an illegal activity on their behalf, so I doubt it would work. They also told me I would receive credit for the 15 years I had spent working in the Insurance Industry toward my degree as experience. This is a group of Government-backed attorneys who offer FREE legal advice on student loan-related issues. I attended Kaplan University from October 2006 to January 2009. I was promised job placement and never received any assistance from Kaplan. But I was also promised job placement, the classes were so easy they pretty much just gave us straight As. Anyway I took the entrance test and was three short of passing, was told to study it again and take test again. They said I would get a job in my field and have yet to find something. Please be careful about getting your information from anywhere else! Did you graduate or not? They will review your case, evaluate your options for switching repayment plans, consolidating your loans, or pursuing forgiveness benefits, then set you up to get rid of the debt as quickly as possible. Along with job assistance when I graduate which never happened. It started at about $2000.00 and currently it is a little over $5000. However, I would be happy to answer any questions you might have about either of these programs, or about student loan forgiveness in general. I was grandfathered claused in the program from the Advance Start and it appeared Kaplan changed the curriculum, at some point during the year, to add more classes than what I first signed up for. 2021 10 maanden. was took from my refund, last year $6,000. They also proceeded to never tell me when I moved that I needed to fill out a new form regarding clinicals and my new address later into the program, which caused them to send me to an impossible to get to location for clinicals and ultimately forcing me to change my major to medical transcription. Theres a very good chance that anyone who applies for BDAR while the program is still in existence will be grandfathered in and allowed to receive loan forgiveness, even if the program gets cut. When I apply, will that forgive hers too? Hi there. 1. Wanted to know your thoughts on the fact that my wife attended Kaplan in 2008-2009. Its been 3 years. I attended Kaplan University in 2013 in Omaha NE. Did they care about your academic performance, or were they only keeping you around to collect your Federal student loan dollars? The school was doing so many illegal things, and running such fraudulent business practices, that the US Government investigation, lawsuit and punitive measures basically forced it into closing down, which isnt surprising if you consider just how bad they were behaving. I questioned this amount since I already had taken student loans for this time period. How do i even start doing this. It means the schools would accept applications from anybody, including people who had no hope of ever graduating, because they wanted their money. The new school no longer have my degree course so theyre trying to get me to re-enroll up under them add check this out 11 more classes when I wouldnt have but six more at Kaplan stating that they no longer have their degree although theyre picked up where the school left off without the closing The funny thing is I can still log in and see everything on dashboard and again am not enrolled these schools full of it. In March 2018, Purdue University finalized the acquisition of Kaplan University, a for-profit institution offering primarily online education. Took a couple years off and went back to finish since all I had was the clinical portion only to discover they no longer offered that program BUT I could transfer my credits to a BS in Healthcare Administration. If they promised employment within your field, then that may be grounds for a BDAR Discharge. 08-60368-PAS. For help with PRIVATE Student Loans: Call McCarthy Law PLC at 1-877-317-0455. Thats the only option that I think youll have here, so Id pursue it. However, their initial accreditation did not occur until 2 years into the program. UPDATED Tuesday March 24th, 2020. You need to really emphasize the point that you would never have taken out a student loan to attend Kaplan University if they hadnt misrepresented the quality of their educational programs to you, and you need to be specific about what things they lied to you about in order to convince you to take out the loan (things like job placement rates, total costs, potential salaries for graduates, or whatever you were promised). Our teacher were only Medical Assistants with a few years experience. Your thoughts would be greatly appreciated! They Told me The starting wage was $ 18+ . The majority of the costs that Kaplan charged was close to $45k, I havent been able to do much to try and pay off my student loans because I was and still am on public assistance due to an inability to secure a job in the field I went to school for. If youre a former student of Kaplan University seeking student loan forgiveness then there are two different programs available to you, the Borrowers Defense To Repayment and the Closed School Loan Discharge program. I was also told their job placement rate was 99 percent. The Closed School program can help anyone who was studying at Kaplan University at the time it closed. I called Kaplan shortly after graduation to help with placement and I was always put off. To make one thing crystal clear, this is NOT a Student Loan Forgiveness Scam, as the Borrowers Defense program was created by the US Government, and is run by the Department of Education. This sounds like you may have a chance at a Borrowers Defense Discharge, because you were promised things that were never delivered. I went to Kaplan university from October 2008 to March of 2012. I would try contacting the Student Loan Ombudsman Group to see if theres any way that they can help you with this process. Come to find out you cant and you specifically have to have a degree in the subject youre going to teach. In any event, would she qualify for either of these programs? was already owned by Kaplan an just changing names.. Thanks for the kind words Falisha and good luck with your application! This will save a TON of money in the short-run, and long-run. You can find their contact info by Googling their name. The school was accused and found guilty of illegal marketing activities. If you Google around, youll probably find all sorts of people claiming that they can take your Borrowers Defense applications for you, then supply them to the US Government, but this is not a good idea. Most locations always questioned whether it was legitimate. Try using the Internet Archives Wayback Machine to look for old claims on old versions of their website, or go through old emails from them, or think about old conversations with them. You . It doesnt sound like it. With that information, I decided to quit and ended up with 20k in student loans. If youve got Federal Loans call the Student Loan Relief Helpline to see if they have any options for consolidating, refinancing or somehow getting your loans back into repayment status so that you can get back on track with paying them off. You may qualify for a Borrowers Defense to Repayment Discharge (not sure what DBR means), but only if you can point out exactly what sorts of claims they made to you about high graduation rates, job placement, etc., and explain how those impacted your decision to borrow money to attend the school. Both schools promised work right after graduation, and I was not successful. If your BDAR application is filled out correctly and properly processed, then not only will you receive debt forgiveness, but you might also qualify for a refund on whatever amount of money youve already paid out. $68000 and counting. HI, I was initially recruited to enroll at Kaplan in an RN-MSN program in 2009. I was also told they were and accredited school and i can go anywhere if i wish to transfer even to my local community college, which is a complete lie. It went from 4ok to now 79k each time they would tell me there investigating to enrolling me me because you charged me 79k and I dont even have a diploma degree or anything to show for it. that Im sure they are going to take. Should I go ahead with trying to get my closed school student loan discharge. My response was well if I knew I wouldnt have to ask you. Any assistance you can provide will be appreciated. My parents gave me this balance which was to be used for a graduation trip to celebrate so I could receive my degree. You can find the official Borrowers Defense program page here and the official Closed School program page here. I decided to only take one class for the July and October 2007 sessions until I got through my divorce. I know they didnt give 2 shits about our academics only the money. I need to know where I might fit in here! Which program should I apply for to get some of these loans to disappear? The whole story about your Mom isnt honestly going to help your case at all. Wage Garnishments go until everything gets fully sorted out, and that can take time, but its different in every case. Thats why how you write your Borrowers Defense claim is so important. If youre thinking it sounds too good to be true, then fear not, because as you read this, other former Kaplan students are getting their BDAR applications approved, and having their loans entirely forgiven. I attended Kaplan Career Institute in 2014. Its possible that this would qualify you for a Borrowers Defense Discharge, but I think it could be tough to prove what happened here. This is a group of Federal Government backed attorneys who provide advice on student loan benefits, for free. I would certainly pursue a BDAR Discharge if I were you, making it as clear as possible that this false claim was the sole reason you thought it would be a good idea to borrow money for their program, and clearly indication that you never would have done so without the false promise. Lets take a look at how that process. Dates, times, locations, who said what and when, how it impacted your decision to borrow money, etc. Hi after doing research on different universities that offer Master in Nursing and finally speaking with Kaplan guidance/financial aid counselors, I started the Kaplan Nursing Program in June of 2010, with the advertisement of high graduation rate, job placement, etc. I am a former Kaplan student I went there thinking I would get a degree in criminal justice. If youre having any problems with the IRS, or with taxes, then you need to visit Forget Tax Debt, where Ill walk you through things like applying to the IRS Fresh Start Program, negotiating for an IRS Tax Debt Settlement, qualifying for IRS Tax Debt Forgiveness or simply Filing & Paying IRS Back Taxes. Im not familiar with Bauder College? My question is would any of this lawsuit apply to me? You can reach them at 1-888-906-3065. They just got a Student Loan Wage Garnishment or a Tax Lien levied against you for failure to pay back the money you borrowed. When I came back to finish my credits to graduate Meric had become Kaplan. I initially enrolled under the assumption that the schools medical assisting program was the equivalent of a dental assisting program according to what information they gave me when I applied. I was also promised that they would help me find employment in my field which they did not. I went to a university that told me I could get an adjunct teaching job with the degree I pursued. If you want to read through the application before you start the wizard scroll down and click the View Form button. For help with Federal Student Loans call the Student Loan Relief Helpline at 1-888-906-3065. 00. They made many promises which were never delivered to me . Then I decided to go back to school and try to transfer some credits and I was told that they would not give me my transcripts because I had outstanding balances. Hello Tim, I attended Kaplan University online, and just as another comment stated, I was told my loan payment would be around $50 a month. My situation is a slight bit different. 48 Whereas states' legal standards for fraud often required evidence of Campus Location Click the map below to see the campus location and to get driving directions to Kaplan University . Not only that but now I receive 500.00 a mo. One of the main reasons that Kaplan loans are eligible for the Borrowers Defense program is that the school has been accused of defrauding the US Government to the tune of a whopping $4 billion, which is basically a record when it comes to higher education fraud. Save my name, email, and website in this browser for the next time I comment. So I think youve got a shot at the BDAR Program. While BDAR approvals are taking over a year to complete, people submitting Closed School Applications are hearing back far more quickly. Id pursue the BDAR Discharge. Hi,I entered Kaplan July2013,graduated in. So the degree is absolutely worthless to me uggh. Did they change your grades to keep you enrolled, even though you should have been dropped for poor performance? Nope, theres no time limit for BDAR applications, but Id get your app in as soon as possible because its taking forever to hear back from the Department of Education on the status of applications. While enrolling in classes, I told my advisor that math was a very difficult subject for me. Feel free to leave your question in the comments section below and Ill get you an answer as quickly as possible. then my son got kick out of public school and I had to put him in private school. Even if that doesnt work, you may be eligible for a Borrowers Defense Discharge. now the new school took over and claim their investigating. The school hasnt done anything illegal against you. they told me Theyll Make sure ill pass the certification exam but our instructors were getting fired or leaving the school .Most exams were open book. For some reason they had her take out a personal student loan via Citi Bank vs the tried and their federal student loan program like the rest of us. Disability from Social Security. I attended Kaplan late 2011 and 2012 at their Phoenix, Az location for their vet tech degree. This information comes from the Treasury Dept. Yes, unfortunately, you will end up owing taxes on the amount of forgiven student loan debt. Got laid off during recession and no work for 2 years and didnt hear anything until last month and now sent garnishment letter again. Read through the details about each program, think about which one will actually work for you, then fill out your application. I feel she was scammed. But said I need to contact us department of education bottom line am just getting the run around. I did not have a G.E.D or High school diploma. I explained to them that when I set up my student loans for Kaplan I had a set amount that was earmarked for each term and there was nothing extra that I was given. You need to prove the school committed fraud, not that they gave you a hard time or let you break some of their rules. To help you brainstorm ideas for things you could include on your application, lets take a closer look at what exactly Kaplan University was doing that got them into trouble in the first place. If thats all that you can come up with for a BDAR application then it will be denied. Theyre both good programs in that they both have the ability to wipe out your student loans and reimburse you for past payments. They said it was my outstanding balance after my loansfunny it took until it was time to give me my degree. delay in issuing final decisions on borrower defense applications, including yours. I attended because they advertised as accredited for a degree in Business I completed all my classes. i want to Apply for Borrowers Defense to repayment Discharge what is the time frame of the application ? BDAR is about proving that the school lied to you and convinced you that their program was much more valuable than it truly was. Honourable Mention for the Neil Kaplan Award (Best Oral Advocate) . So I dropped out due to personal and work conflicts. Possibly. In this article, Im going to give you plenty of information about each of these powerful forgiveness programs, including who qualifies for the benefits, how to apply for them, and how to frame your Borrowers Defense claim in order to increase your chance of getting it approved. (iStock) 4 min. Ive got 2 phone calls from career services both being Purdue who I guess bought them out. The institution is approved to offer nursing programs by the Illinois Board of Nursing. To find out for sure if you can get a Parent Plus Loan discharged, Id contact the Student Loan Ombudsman Group and ask them. I would pursue the not accredited part. Hi, my sister attended Kaplan which use to be Maric College and was told she could not enroll until she could get a co-signer. Unfortunately, Borrowers Defense claims arent being processed quickly because the Department of Education has been inundated with them over the past couple years, but also because the DOE is outright hostile to the benefit itself. However, when I went to apply at childcare centers I was asked where was my classroom experience. So, assuming that you qualify for both programs, I would choose the Closed School program simply because it provides a quicker resolution. In fact, I think this is going to create such a big problem for so many people that Ive set up a new website called Forget Tax Debt to offer IRS tax-related advice, just like I do here for student loans. Jeez, this sounds like a horror story. Yes, I have heard of people getting their loans discharged. When i first started i didnt really know much about the school but 3 months into the program i didnt feel like the school was for me so i tried to drop out and just pay the amount of time that i stayed there and they didnt let me they had told me that i have already payed the whole amount of the program and that i might as well stay since its paid for. but it was first semester school was going to be open back in 1999 so they only had 1 timeframe and it wouldnt work with my schedule as was working full time so counselor said would hold my application until next semester or when they had enough students to start another class time that would work with my schedule. So, thats not a good reason for a BDAR discharge. You need to show that they targeted you personally.
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