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. Apparently, Kaplan was suppose to have me do this as part of my curriculum. If you have $100,000 forgiven, then the IRS would consider you as having made an extra $100,000 for the year that your debt was forgiven. Yes, BDAR Discharges are still widely available. Details You must have been enrolled in the school or withdrew no more than 120-180 days before the school closed, depending on your first loan disbursement. If thats all that you can come up with for a BDAR application then it will be denied. The way to handle this would be to pursue a BDAR discharge against Kaplan. Education Secretary Miguel. Prior enrolled students have multiple options available for student loan forgiveness. For help getting Federal Student Loan Relief, look at my pages on Federal Loan Forgiveness, Federal Student Loan Bankruptcy Discharges, Federal Loan Consolidation Programs and Federal Student Loan Repayment Plans. Department of Education Announces Loan Forgiveness After Defrauded Kaplan Students File Lawsuit Today, the U.S. Department of Education approved federal student loan discharges for borrowers who were enrolled in Kaplan Career Institute's Medical Assistant and Medical Billing & Coding programs from July 2011 through February 2012. 1. Kaplan serves a student body of over 66,000 students, who study online or on-campus. I forgot to mention that i was also promised employment after graduating and i never got a job in the field. Yeah, it works for any school. My question is would any of this lawsuit apply to me? An online law school. Importantly, the court. now im paying back all this money on accounts that all read closed and show a $0 dollar amount closed I also want to mention about how I wasnt really doing much of my homework that was given or completing assignments and eventually my grades were falling. It stopped coming to me around $3000.00 until I applied for my SSI. Feds grant blanket debt relief to former students of ACI job training chain. Every single test was open book and i didnt like that because it felt as if i learned nothing. Why? Lets take a look at how that process. I emphasize that I never did nor would I have applied for a loan. The Education Department received more than 400,000 borrower defense claims between 2014 and the end of 2021, according to the latest available data from the department. 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. This is a group of Federal Government backed attorneys who provide advice on student loan benefits, for free. How did they mess up your loans? We can also assist you with your private student loans. Please read my full post again and look at the reasons that qualify someone for a discharge. The Borrowers Defense to Repayment Program (often abbreviated BDAR) was created to help people get rid of student loans that shouldnt exist in the first place. I attended a school from 2002 to 2004 and believe it was bought out by Kaplan which prompted my loan servicer to send me a letter about the School Closure discharge. Over the last several years, over $1 billion in student loan debt has been forgiven for students who attended for-profit colleges or other schools that potentially misled students. To get your loans forgiven you need to prove that something illegal was done AGAINST YOU personally. While these claims didnt originate under this administration, the agency has had ample opportunity under Secretary Cardonas leadership to resolve this glaring issue.. Do you feel that they enrolled you even though you werent qualified? Anyway I took the entrance test and was three short of passing, was told to study it again and take test again. more was taken and this year I still owe $1,550. Kaplan University-Davenport Campus. 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. Kaplan University has been accused of enrolling unqualified students, changing grades, and falsifying legal documents related to the schools accreditation requirements. Dont believe no news is good news, never heard anything from them, they took messages from me, but never returned my calls. i felt the school was a joke and not taking my education i was paying for seriously. Among the allegations was a federal antitrust violation claiming that Kaplan had agreed not to compete in the bar review business while BarBri agreed it would not compete in the LSAT business. The Closed School program can help anyone who was studying at Kaplan University at the time it closed. Select your region to contact a Kaplan customer service representative via contact form, phone number or email and to sign in. You can reach them at 1-888-906-3065. Student loans for two years totalled $63,000. I attended Kaplan Online University 2009 to 2011 and took out 27k in student loans and now owe 47k. All of a sudden they went into a 10 year deferment and said they arent to start being paid back for 10 years or 2028..have you heard if this happening to anyone else? Hi! In the beginning, they told me this would only take about 1 year since I had completed 3 semester of college classes that could be transferred as my general education classes as well as 2 accounting classes. In 2012 I became pregnant with my son. I have written them many times about this and they do nothing. How do i even start doing this. You need to be able to prove that the school committed fraud against you, and this explanation doesnt include anything about fraud. ApplyCollege.org. Your thoughts would be greatly appreciated! Consumers who are eligible for the private loan cancellation under the settlement do not need to take any action. When I talked to them about taking a maternity leave after having my son in November of 2012 they said I would have to restart the program as they were changing the curriculum and the classes I passed would not be relevant for the new program. For additional information and settlement updates, please visit the settlement administrator's website www.NavientAGSettlement.com or call the settlement hotline at 1-833-630-1416. You can find their contact info by Googling their name. I need help before they try to garnish my wages again. I unfornately did not complete the program as expected at that time, however am still paying on the loan. One thing to keep in mind is that you cant (or at least shouldnt) apply to both of these programs, so what you need to do is research how each of them works, think about your specific situation and experience with Kaplan, then decide which one will work best for you. 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. I stayed because I was paying and didnt want to pay for something I didnt finish. State investigations of for-profit chains have routinely produced evidence of misconduct that the Education Department has used to approve individual debt-relief claims. Toggle Menu. I was told we would always have continuing education with them. (see here) CANYON COLLEGE For complete details of everything you could possibly want to know about the Closed School Loan Discharge program, visit my page on it here. Im pretty sure that she wont qualify for any of the programs Ive outlined here, as almost all of the forgiveness and discharge programs only apply to Federal debt. Which is what im paying $16,000 or so. How to Use the Borrowers Defense Against Repayment Program 2. Doesnt have to be about Kaplan at all. I attended kaplan online from 2006 to 2008. 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. Dates, times, locations, who said what and when, how it impacted your decision to borrow money, etc. If the school closed while you were still enrolled, or near to the time you were still enrolled, then you may qualify for a Closed School Loan Discharge. 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. If you cant be specific and explain this clearly, then your application will be rejected and youll have to continue paying off that Kaplan debt. They said it was my outstanding balance after my loansfunny it took until it was time to give me my degree. A class-action lawsuit by fraud victims of for-profit colleges says the Education Department has been assessing their claims far too slowly, with some petitioners still awaiting relief six years later. Hi, I, started Kaplan in January of 2013 and graduated June of 2015. You did not complete all your coursework at Kaplan University, but failed to receive your diploma prior to the schools closing. 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. They jerked me around all over the place when I started questioning the cost of their courses compared to other universities and why they were allowing me to retake and enrolling me in these courses that I didnt pass 3xs when their policy stated you could only retake once. I dont think that this is going to qualify you. You can reach them at 1-877-317-0455. The group accused the now-defunct school of inflating job-placement rates and using aggressive sales tactics to get people to enroll in its medical billing and medical assistant programs between 2009 and 2012. They just wanted us to grab that $10-, $15- or $20,000 obligated to Kaplan University." Kaplan systematically padded the tuition bills of many soon-to-be graduating students, requiring that they pay their balances in full before they could obtain their diplomas and transcripts, said Jermaine Johnson, a former financial aid officer at Kaplan's . My mother co- signed and they ended up taking out a loan under her name as if she was attending the school. Does this forgiveness apply to the Concord law school? I was recruited gone after for months, felt like I was part of my recruiters family. In fact, I emailed the professors many times and was told its not that important and I questioned my grades and could not get a professor to explain to me how I can get so many failed tests and yet pass the course. I would pursue the not accredited part. I was also pressured to sign up rather quickly and wasnt given a chance to investigate grants or other student loans. I apologize for the long story, but due to their mistakes, Im now close to $60k in debt from their school as well as another school where I finally got my medical assistant degree (shockingly it cost much less to go to this school and I graduated from it with no issues). BDAR is about proving that the school lied to you and convinced you that their program was much more valuable than it truly was. One week passes Im at the hospital everyday with mom. Its been 3 years. Hello Im just hearing about this. I do know of some frauds things that occurred while I was enrolled but dont have proof. Lesley Fair. So I dropped out due to personal and work conflicts. I have tried to get my transcript as well as contact the Navient which has all my loans on deferment to get them to lump them in one so I can at least improve my credit rating but Im at a loss! Promising a 100% job placement rate is definitely the sort of thing that the Borrowers Defense to Repayment Program was created to stop schools from doing. Once I started courses, they kept delaying my notification of how much time I earned for my experience.I never received any credit for my work experience. I was also told my credits would finish it was a high need industry and i would make 18.00 an hr starting out all lies. Loans are put into Deferment automatically as the DOE analyzes the application and determines whether or not to accept or reject it that may be whats happened here? 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. No, you dont have any valid justification or legal grounds for applying for a Borrowers Defense to Repayment Discharge. Cant find anyone that can answer any of my questions. False Claims Act Lawsuit. Wanted to know your thoughts on the fact that my wife attended Kaplan in 2008-2009. Thank you! 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. 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. Kaplan University's closing is no surprise. Kaplan University Lawsuits There has been a class-action lawsuit made against Kaplan University and Kaplan College, for defrauding the U.S. Government. So I think youve got a shot at the BDAR Program. Phone: 888.213.5124 or 608.779.8333. They told me that ill pay after 10 years They made it seem as if the value of the school was high which wasnt the case ! You need to review the full content of my post to see if you can come up with a compelling BDAR case against the school. Jeez, this sounds like a horror story. Ever since shes been paying for this never ending loan. is this grounds for BDD? Its a nightmare. Is there a time limit for the Borrowers Defense? When I apply, will that forgive hers too? Can the borrowers defense repayment work for me or would that be more just straight fraud? Decide on what kind of eSignature to create. Lawyers representing former students of Kaplan Career Institute in Massachusetts have sued the U.S. Department of Education, alleging an unlawful and unconscionable failure of the Department to cancel the students' federal loans seven years after the Massachusetts attorney general settled with the school over charges that it deceived and Was there interest on the loans you took out? 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. She didnt seem to really care, and enrolled me in a college algebra course. No money and no job and informed that I can never apply for another student loan Id I fight this. I filled out application, etc. 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. Did they care about your academic performance, or were they only keeping you around to collect your Federal student loan dollars? They also reduced the amount of transfer credits after seeing how many credits I had to transfer in after I had already started coursework and applied for loans. There were several classes that I had taken that I somehow, amazingly, passed when I knew I wasnt understanding the course. Did you graduate or not? This sounds kind of complicated, and the specifics matter. Thank you. [4] Thats the only option that I think youll have here, so Id pursue it. Have her look into the Borrowers Defense to Repayment Program. With its new home and new name, Purdue University Global is the first public university to share control with a for-profit company answerable to investors. now at some point you think they would have notified me about my grades were falling and that I was not completing assignments like they should have been, so in other words they were letting me stay there way longer then they should have before kicking me out. Not only do you not need anyone elses help with Borrowers Defense, but you also shouldnt be willing to give out all the details required to complete the application to anyone other than an official US Government entity, or perhaps an attorney. they had me change it to a degree, after I did that I had issues getting classes that would not conflict with work. I did not have a G.E.D or High school diploma. Hi Tim I came across your great article while looking at going back to school for something I can actually use. It doesnt sound like it. Alternatively, if you just want to know how to take advantage of it, then heres the main details you need to know. Thank You. Competency-Based Learning. Hi, I went to brightwood college which when i was enrolled they told me they were with kaplan. Thats why how you write your Borrowers Defense claim is so important. Told them from the start I probably wouldnt be able to finish, yet he continued to persuade me to do this, that I could do and go anywhere with my degree,hum. There are three variants; a typed, drawn or uploaded signature. Hello, I graduated back in 2009 but I had started when it was called Meric college. They made many promises which were never delivered to me . If you cant find your loans then are you sure you owe anyone money? What EXACTLY did they promise in terms of job placement? The Kaplan University Lawsuit One of the main reasons that Kaplan loans are eligible for the Borrower's 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. Youre going to have to figure out exactly what you were charged for, what you received in assistance, etc. I was also promised that they would help me find employment in my field which they did not. 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. What exactly does it mean when they say Enrolling students that they knew werent qualified for the programs, because they didnt have the right educational background, obviously werent going to be able to complete program requirements,, or something else, in order to get their student loan money.. The way it works is that it provides an avenue for you to get your loans legally discharged if you can prove that they were only taken out because the school, student loan lender or servicer did something fraudulent that convinced you it was a good idea to borrow the money for their program in the first place. Kaplan University. The Biden administration is working through a mountain of claims from former students of for-profit schools requesting that the department cancel their debt under a statute known as borrower defense to repayment. Petitions piled up at the department after several colleges folded, and the Trump administration tried to limit and delay loan cancellations. Choose My Signature. Im stuck in a fast food restaurant with a student loan debt. Thats probably why you ended up owing much more than you thought you would. So the degree is absolutely worthless to me uggh. If youve got Private Loans call McCarthy Law PLC, a group of attorneys who will get you a debt settlement at about 40% of your current outstanding debt, and who can hook you up with a new loan at the lowered, settled amount. I went to Kaplan some years back and I just got my taxes taken for the second year of almost $4000, I went there with my mom at the same time I signed up for computer sciences or something along that line. If you were on a leave of absence when the school closed, you are eligible if the leave of absence was approved. . Thank God I got some of my credits transfred to a different online school in 2018. My loan ended up being 34,000 have gotten it paid down to just under 13,000. Ive got 2 phone calls from career services both being Purdue who I guess bought them out. Those allegations were at the heart of a 2015 investigation by the attorney general that resulted in a $1.3 million settlement with Kaplan Higher Education, the parent company, which denied the charges. You did not transfer your Kaplan University credits to another school which youre currently attending. I am currently receiving correspondence from Nelnet stating I have a student loan. Speaking of your loans, are they Federal or Private? You need to get in touch with Kaplan to see if you can get a transcript from them. That theyd help you find a position? If you want to read through the application before you start the wizard scroll down and click the View Form button. Every time I contacted school it was a new reason from trying to get me to apply for more loans to complete 6 more class was all I needed. Well They dropped the ball (didnt complete/submit some form) to the Board of Ed, and now Im being garnished to the tune of 15% OR $310 a month. Upon payment they did finally send the degree. I attended Kaplan University from October 2006 to January 2009. May 2014,I never received my diploma due to my loans not being paid.I was told when I entered that a job would be found for me,I would be given a gas card and/or a bus token to get to myintern site ..I was given neither.I was told that my intern site would be my job after 6 weeks,it was not. Did they change your grades to keep you enrolled, even though you should have been dropped for poor performance? Education Secretary Miguel Cardona has approved $2 billion in discharges for 105,000 borrowers to date, but a lawsuit filed Monday says the agency could do more and much faster. Been paying on it for the last 8 years. Home; . I started at Kaplan, 2009, through their Advanced Start program for HealthCare Management Administration out of Cedar Rapids, IA. Please be careful about getting your information from anywhere else! 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. Now they are garnishing my SSI and then here the new bill showing its over $5000.00. Im not a representative of the US government. Degree Attainment. I am not able to use my degree. This sounds like you may have a chance at a Borrowers Defense Discharge, because you were promised things that were never delivered. I had only 30 credits left to graduate. This information comes from the Treasury Dept. The Education Department received more than 400,000 borrower defense claims between 2014 and the end of 2021, according to the latest available data from the department. Time to Degree. Save my name, email, and website in this browser for the next time I comment. False Claims Act Lawsuits. 3:19-cv-03674, . Got laid off during recession and no work for 2 years and didnt hear anything until last month and now sent garnishment letter again. 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. Its not like they put that stuff in writing. Claim is so important form, phone number or email and to sign in University credits another. Delivered to me around $ 3000.00 kaplan university lawsuit I applied for my SSI and then the! 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