Try contacting the Department of Education, or try filling out the form again on a different day. Good luck! That promise that youd graduate making over $50,000 a year, is basically a slam-dunk case for a Borrowers Defense Discharge. Seeing as many more students intend to benefit from the Art Institutes loan forgiveness program. but would like to know more. As of today, the Educational Management Corporation has failed to admit any wrongdoing even after the Art Institutes lawsuit wen against it. Hi Tim, I attended The Art Institute of California and graduated in 2008. Which was something I held on to for the rest of my last quarter up until the last week of school when I was told that the school returned that money to my lenders, which doesnt make sense because my student loans are completely the same amount. However, you still need to collect all documents and proofs and explain why you think you are eligible in a clear manner to ensure approval. Hey Tim! I withdrew from school (and after touring it was so happy I did) and never attended a single day. Forbearance means that you do not have to make loan payments and your loans will not go into default. Please find below some of the necessary details you need to add to your application. I think this would fall under the sob story part but it is something they falsified and is now majorly affecting me today. Id look into the BDAR program if I were you. The lawsuit alleged that EDMC knowingly violated a ban on compensating its recruiters based on the number of students the recruiters enrolled, and fraudulently induced the federal . The Federal Government wont help anyone who has defaulted on their loans. Borrowers Defense to Repayment assists students who were victims of misleading recruiters, false advertisements, or university officials who engaged in misconduct. Hi this article is awesome !! You can only qualify for a Closed School Discharge if you were still attending the school within 120 days of the closure, so I dont think that will work for you. Is it still relevant? The art institutes parent company is EDMC, which is the largest provider of postsecondary education in the US. My best possible suggestion is to contact the Student Loan Ombudsman Group and see if theres anything that they can do to help you out. The only way that youre going to be eligible for forgiveness is if you can prove that you qualify for a Borrower Defense to Repayment Discharge. Your email address will not be published. Make sure that you do it at the US governments official website set up for this purpose, or you may be falling for one of the popular Student Loan Forgiveness Scams floating around. Plus cant get into another school because this school messed up with my Pell and Financial Aid too. The parent company of the institute is also a defendant. Ive attended two different campuses within the Art Institute network (transferred from one to the other) and have had to take multiple Parent Plus loans as well as additional federal grants and loans to attend both schools. The Art Institute of California - San Diego, a campus of Argosy University - Academic Catalog; The Art Institute of California - San Francisco, a campus of Argosy University; The Art Institute of CaliforniaSilicon Valley, a campus of Argosy University; The Art Institute of Charleston, a branch of The Art Institute of Atlanta Or is this just for federal loans and without a parent cosigning? Of course, it isnt enough to merely point to the Art Institutes wrongdoing. If I had accurate information about their fees and how these loans really worked I would have never agreed to borrow any money to pay for their education program. After reading your blog, it appears that I have a better chance of having the loan forgiven by using the BDRD form. Therefore, assuming that you qualify for both I would suggest going with the Closed School Loan Discharge Program because the applications to the Borrowers Defense program are taking such a long time to process. Students are eligible to benefit from student forgiveness if they can successfully do one vital thing. We paid cash for most of our daughters tuition but had to take a Parent Plus for the last $5000 due to her not passing one of her classes. And I was a student with the Art Institute of Pittsburgh Online Division. There is a lot of information online about the Closed Program. I attended one of the Illinois Institute of Art locations for a graphic design degree sadly, the chain bought out the small art college Id started at and converted it into one of their abominations. Your email address will not be published. Student loans have been cited by 83% of people aged 22 to 35 with student debts. I just need that AI loan wipe out and the bill is getting higher, and on disability and cant pay for it. Its previous actions may not have been legal. Contact the Student Loan Ombudsman Group and ask if they can assist you with the legal fallout here. Thanks so much in advance for your help! Please advise. Keep reading to know how to apply for forgiveness. Praying we can get relief from the Borrowers Defense to Repayment Discharge form we are filling out now. I did find work after graduation (one of 4 that did out of 36) and that was because a friend helped me out. You can get your college debt forgiven or canceled, and you can also get a large settlement. I heard they might lose accreditation. No job placement assistance. The promised that my degree would get me an instant job as an interior designer. I am unable to transfer these credits to any college, I also dont even have a valid high school diploma. Losing their accreditation may not matter though if you have already graduated? The Borrower's Defense to Repayment offers total debt forgiveness. To qualify for a Closed School Discharge, you must have either been a student at the Art Institute at the time it closed, or have left the school no more than 120 days prior to its closing. I was 4 classes away from graduating!! Hi Tim! EDMC is the largest provider of postsecondary education in the US. And then if that doesnt work, Id try to use Borrowers Defense to Repayment to see if that one may get you a refund. The loan amount was for 9k and Has doubled since then due to me as a single parent struggling to make payments etc. The Art Institute has faced a lawsuit from EDMC over its violations of federal and state consumer protection laws. similar stories to everyone here. The Ombudsman are a FREE group of Attorneys backed by the Federal Government, so you can trust their advice. Unfortunately, the odds of getting a refund are extremely low. looking to join class action lawsuit against The Art Institute, and 2 more schools. They ruined my life and marriage. If you want to speak with someone in person, please contact a financial aid representative at 1.800.275.4244. Thank you. I would try to find out if they did anything else, however, like promising a job in the field of study, promising a set salary level, or a position in management, etc. I was told for my specific branch of the major they were already working on adding several more courses with focus on baking and pastries(there were a hand full to 3 specific classes for baking and pasties and I expressed co even about that and was told this by the head director of culinary department) and added to the curriculum to focus more on that specific branch of culinary (that was never done or mentioned again), I was also told several times it was a well known and trusted school with lots of pull and open doors that would help me tremendously once I graduated it would help me find good work and positions I may otherwise not have an opportunity with(no doors opened what so ever and I was I was told to put myself in job hunting sites to find a job) I was also told they had a program once I graduated to help me find good employment and quickly and given a % of success(I was directed by this program to put myself n job websites and never heard from them again and I found no job and didnt even get any offers for a job) I was told I was going to get a top of the notch education by top chefs in their fields that would teach us all they know and get specialized courses in my degree focus and more were already in works to be added (there were very few classes specific for baking and pastry degree and none were ever added to the program & we learned straight from a book and did recipes from books and were told we went allowed to add ingredients or deviate from the recipie( luckily I had one teacher who allowed us to do so anyway and in my opinion actually cook) I was told the school was well known and renowned and the name alone was going to open many doors to me. I attended the AI of Ft Lauderdale in 95. All I have paper wise is cards from the financial director and head of culinary that spoke with me during my school tour,testing, and paperwork to attend and loan apps, my parent plus loan paper work from the school, the approved loan papers from the loan company from 2010 & 2011, and my lone bills I got in the mail. I am sunk. Consolidations may cause problems, but it depends on how the loans were consolidated, and what sorts of loans were included. Correct? The Federal Governments BDAR application will prompt you through the whole process now. Is it possible for me to take advantage the settlement? I feel that I should really get the CSD but because I wasnt enrolled within the amount of day before they were to close. The corporation has rescinded the accreditation of the school but has denied any wrongdoing. Defendants (collectively "EDMC") filed briefs in support of each motion. Today, many students are eligible to have their loans completely discharged! Its so frustrating Thank you. Other During the course of time, I was also in a car accident, and this made it difficult to find work. This is good enough proof to use for a Borrowers Defense argument. US Gov Sues The Art Institutes for $11 Billion Fraud. There have been all sorts of complaints about how the Online school was run, and if you can provide evidence for them committing fraud against you, youll have a great shot at getting approval for a discharge. The chance to get debt reduction through Art Institutes Borrowers Defense to Repayment can be high depending on how you prove the case. Roped into a game art and design degree because there were no alternatives in sight for those interested in game design. Im just worried of getting a detail like the specific date or title of a person wrong, then having it all be dropped and being accused of lying (which I imagine has extreme repercussions). Your BDAR Discharge Application should get approved since you spent the extra time to gather HARD PROOF against the school! Click the links above to be taken to the section of this Guide that details the specifics for each program. EDMC is being sued by consumers in an effort to hold it in contempt for failing to follow consumer protection laws. The government should have stopped EDMC from doing this and made the ArtInstitute pay up the money. Like the Art Institute, the closure of these institutes means enrolled students who took student loans are eligible for loan forgiveness. A third individual from EDMC is also named in the lawsuit. Any discharged debt is considered taxable income by the Internal Revenue Service (IRS). The Art Institute was unable to keep its accreditation, and the US Department of Education revoked its accreditation in September 2016. Good question! I only signed up for a Diploma but i will still have the 11,ooo loan to pay off. Weve made our information as easy to digest as possible to help you determine what youre entitled to. If neither of the above exclusions apply to you, and you were a student of the school when it closed (or left near enough to the closing date), then you stand a very good chance of achieving Art Institute loan forgiveness via the Closed School Loan Discharge Program, and I would encourage you to apply for the benefit right away. However, you need to know a few crucial details before applying. In other words, this is not a coincidence, but rather a direct result of the current state of the economy. In order to do that, you will need to add details about the lawsuit into your Borrowers Defense application, including monetary settlement figures and links to reputable sources containing information about the lawsuit and settlement they agreed to. I first applied online- met with a representative named Rachel who, similar to other stories, also promised immediate job placement upon graduating. The key to getting an approval is that this is a legal process, and so you have to prove that you were taken advantage of ILLEGALLY, not just that you got a raw deal. It has been subject to multiple campus closures and ongoing lawsuits. Dear Sir, My sons servicer sent him a closed school discharge form in response to his complaint about being defrauded by Art Inst of Pittsburgh. You can reach them at 1-877-317-0455. I am seeking for refund because I cant do anything with those credits, neither continuing education. EDMC, based in Pittsburgh, Pennsylvania, operates 110 schools in 32 states and Canada through four education systems: Argosy University, The Art Institutes, Brown Mackie College and South University. Please refer to the section below for details on the application procedure. Did you have a specific question? The biggest art fraud in modern U.S. history was shockingly simple. That hed be able to find a specific job role or title, or management position? Hannah Williams told Call 6 Investigates students showed up for class to locked doors and the school . Would we still be eligible to apply for loan forgiveness? Step 3Submit the filled form to your loan servicer. Youll need to discuss the specific lawsuit involving the school too, but remember that because the Art Institute agreed to pay out nearly $200 million it will be relatively easy for you to prove that they misled you via false advertising; you just need to explain exactly what they did and how it impacted your decision to attend the school. At the time I did not think i could do anything about it. Where can I find and what else do I need to have the best chance at getting approved ed and where do I find it all? The best thing for you to do at this point is collect all of the information (exp: your statements from EDMC, your bank records for similar time periods, loan documents, etc) and contact an . Hello, I currently have Fedloan as a Parent Plus loan and a Nelnet Loan. Thanks. You were actively a student at the school when it shut down, so youll be able to get full forgiveness for your loan! She wasnt able to swing the schedule so she postponed her education. Thank you so much for your article. Degree: Web Design. I attended the art institute from 4/09-3/11. What if I paid cash and now the school is closing? Today I know that these job placement they were inflated/faked to convince students such as myself to attend the school. Do you think I would qualify for Loan Forgiveness? The Art Institute of Chicago is being sued by a former student who claims the school misled her about the job prospects after graduation. Thankfully, a lot of these students have already received compensation through loan forgiveness under theBorrowers Defense Against Repayment Discharge? The job market is hard and so is the economy and the housing in California. I remember feeling pressured into signing papers without any explanation, and many of the questions i did have were dismissed. I noticed even more than they would change the jargon of the syllabus description of the class slightly and that equaled their new/you have to take this to graduate curriculum. Ctu administered through its ability to place and musicians, art institute lawsuit documents include estimates made it for unfair and other costs, and determination for income. I attended the Art Instutute of Fort Lauderdale from 1976-1978 studying Advertising Design. Then, when i asked to be put on a payment plan they said Id have to start over because the curriculum had changed. Were going to go ahead and apply for the DOE borrowers defense.
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