Defense to Repayment

“Defense to Repayment” is a legal statute which can allow loan-forgiveness for students who have faced “acts or omissions of an institute of higher education,” referring to a range of unlawful practices including lying to students about anticipated annual salaries, job prospects, or other factors which contributed to your decision to attend the school.

Approval for a loan discharge via defense to repayment requires a thorough legal argument regarding the school’s wrongdoing against you as a student and loan borrower, and the statute also asserts that this argument is only legitimate if the school was in violation of state law and its “act or omission” was directly related to your student loans.

A defense to repayment letter may include the following:

  • A written statement that you “Wish to assert a borrower defense to repayment based on state law;”
  • Your official legal first, middle, and last name, date of birth, and contact information;
  • The name and address of your school;
  • The degree or certificate program you earned or were in the process of earning (students who completed their programs are just as eligible as those who were still enrolled);
  • The dates between which you were/are enrolled at the school;
  • A thorough explanation of how you were defrauded by the school, including the state law/s which were violated, how the school’s misconduct affected your decision to attend it and take out student loans, and the damages you’ve suffered as a result.

If you are struggling with student loan debt or have been a victim of the unlawful practices of a college or similar institution, contact an experienced student loan attorney today for a free consultation.