In 2021, many students can be qualified for the University of Phoenix student loan forgiveness. The lawsuit charged the UOP, claiming delusive recruiting methods, misrepresenting the income and job replacement rates. After this student loan class-action lawsuit, the University of Phoenix settled $10 million by ED. As the Department of Education announced, borrowers may get partial loan forgiveness, depending on their income.
If you are a student misled and defrauded by the university, there are closed for-profit school student forgiveness programs, such as Borrower Defense to Repayment to discharge your student loans. President-elect Joe Biden gives huge importance to this program and wants to return it to its glorious days. Hence, the borrowers have a higher chance to get rid of the debt through this program.
In our article, we will guide you through the application process on how to get the University of Phoenix student loan forgiveness.
Information About the University of Phoenix
The University of Phoenix is founded in 1976, headquartered in Arizona, the United States of America. The University started with eight students as a for-profit school. The enrollment at the university was high in 2010, but the numbers declined after the lawsuit. Since 2015, the University of Phoenix has been investigated by FTC.
The University of Phoenix faced claims such as illicit activities against both the students and the federal government. In more detail, the claims involved that the university violated the state laws, defrauded the students about getting student loans, and job placement after graduation.
If you are among the deceived victims of any school, there is an opportunity for you to get a discharge for your student loans. The University of Phoenix student loan forgiveness is for the borrowers who believe they are misled and defrauded by UOP.
Student Loan Class-Action Lawsuit against the University of Phoenix
The University of Phoenix is accused of many deceitful and illicit actions against the students. The class-action lawsuit is the result. Many students claimed that education quality was not as good as the university promised.
As a for-profit school, the University of Phoenix is being sued for violation of the contract and the contractual relations, taking the advantages of many low-class citizens, false advertisements, providing false information to the government about student aid statistics.
After the class action lawsuit, the university agreed to discharge the student loans for the borrowers who qualify for the University of Phoenix student loan forgiveness.
University of Phoenix Student Loan Forgiveness through Borrower Defense to Repayment Program
Many students of the University of Phoenix has a problem paying their student loans. If you are one of the University of Phoenix students who are suffering to pay the financial aid student loans back, you may be eligible to get a discharge through Borrower Defense to Repayment.
Borrower Defense to Repayment allows you to discharge your student loans, if the University of Phoenix had misconduct about taking federal aid student loans, misrepresented the poor study program and false employment rates, violated the federal laws with any deceitful action.
To apply Borrower Defense to Repayment, you need to prove with facts that the University of Phoenix misled or defrauded you. In your Borrower Defense claim, you need to prove the school of false advertisements, fake income rates after graduation to get the University of Phoenix student loan forgiveness.
After your application is accepted, your University of Phoenix student loans will be forgiven. You may qualify for a refund as well. In the next section of our article, you will learn about the qualifications and the requirements of getting a benefit, refund, or discharge for your University of Phoenix student loans.
How to Qualify for a University of Phoenix Student Loan Discharge, Forgiveness Benefit, or a Refund?
After the University of Phoenix is accused of illicit activities against the federal government and the students, the victims of the school have the chance of benefiting from their student loans.
What are the main requirements to get the University of Phoenix student loan discharge through Borrower Defense to Repayment? The primary requirement to qualify for Borrower Defense to Repayment is to prove that UOP misled and defrauded you.
You should prove that the university misrepresented its academic program, did take fraudulent actions, deceived you to get the federal aid student loan. Apart from your application, you need to support your claim with additional materials to make it easy to get the student loan forgiveness.
Fortunately, there is a big possibility to qualify for the University of Phoenix student loan discharge in 2020 & 2021. Till now, Borrower Defense was difficult to achieve because the Education Department was delaying the process or approached it with hesitance.
However, Joe Biden plans to return the Borrower Defense to its glorious days and now, there is a hope that more people will qualify. If you find out that you are eligible for the Borrower Defense to Repayment Discharge, you may apply to the program and get forgiveness for your student loans. If the committee approves your application, you may even get a refund for the amount you paid previously for your student loans.
Let’s now learn the application process and steps you need to take in 2021, to get forgiveness for your University of Phoenix student loans.
How to Apply Closed For-Profit School Student Loan Forgiveness in 2021
To apply for student loan forgiveness through Borrower Defense to Repayment, you need to fill out the application form. You can upload the additional materials to strengthen your claim. In the online application form, you should fill out the personal information, your enrollment dates at the University of Phoenix, and your signature. Read the given instructions with attention, then submit your application to get the student loan forgiveness.
Take into account all the fraudulent activities that you experienced. Use them in your Borrower Defense claim as the arguments to get the University of Phoenix student loan forgiveness and maybe even a refund for the amount you paid previously.
Keep in mind that while your application is being reviewed, you do not need to stop paying your student loan debts. It may take a year to get a notification from the Education Department. Not paying your debts is also wrong because you will go for the Borrower Defense process, it may weaken your claim and put your eligibility under question.
Getting the Student Loan Forgiveness
In conclusion, receiving student loan forgiveness is possible considering all situations with the University of Phoenix lawsuit and student loan crisis.
Luckily, you have the chance to get a forgiveness benefit and a refund as well. Federal student loan forgiveness programs such as Borrower Defense to Repayment allows the borrowers to eliminate their student loans. You can follow our guide to learn about the eligibility requirements and application process in 2021 to get forgiveness for your student loans.
The primary reason for making you eligible for this discharge is the fraudulent activities that the University of Phoenix performed against you. After you get the full information about the class action lawsuit and settlements against the University of Phoenix, now apply to the program, prove your claim, and get the University of Phoenix student loan forgiveness.
What Other Options do I have for Phoenix Univeristy Debt Relief?
If you did not benefit from the University of Phoenix class-action lawsuit, you still have some options to reduce the debt burden. Borrowers’ Defense to Repayment is one option that can partially or fully eliminate the debt and refund the paid money. Alternatively, if you have a special case, such as a closed school or disability, you can apply to discharge programs.
What to Do if I am not Eligible for Forgiveness?
Though the University of Phoenix loan forgiveness is a great opportunity, it is not available to all borrowers. You can apply to other federal forgiveness programs, such as discharge or Borrowers’ Defense to Repayment. If you are still not eligible, it is better to give up on ideas like forgiveness and try to make your debt more manageable. Consolidation, refinancing, or federal repayment plans can help decrease the interests so that a debtor can repay the obligation.
Which Cases are Eligible to Borrowers’ Defense?
Cases similar to those claimed in the University of Phoenix lawsuit will make you eligible for the Borrowers’ Defense program. If a school misled you by promising false job opportunities or misinformed you about the cost of education, you could apply to this program to eliminate the debt. In general, only the matters related to education and directed to you can qualify. Personal issues, such as harassment, are not a base for this opportunity.
How Can I Prove a Wrongdoing?
If you want to benefit from the Borrowers’ Defense, the most important factor is proving the school’s misconduct. You can achieve this goal by submitting all documents that can support your claims. Such documents can include email communications, brochures, and other advertising materials, etc. Besides, in your application, clearly explain your ideas and your arguments against the university.
How will I know if My Application is Approved for Borrowers’ Defense to Repayment?
After application, the Department of Education will review the case and notify you about the result. If the notification is made through the mail, you will see the decision and reasons in case of rejection. In case of approval, you will see how much debt is eliminated. Even great, if you have not received the University of Phoenix Student Loan Refund, you can get a refund through this program.