December 8, 2022


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  • In front of borrowers who went to one of the schools listed in Sweet v. Cardona has until November 3, 2022 to apply for student loan forgiveness.
  • One student loan expert says the key to getting your application approved is to use the exact language of your school’s lawsuit.
  • Your student loans will expire while your application is being processed.

In August, a federal judge granted initial approval in the Sweet Class Action Suit against Cardona, paving the way for the eradication of nearly $6 billion in student loan debt for more than 200,000 borrowers. If you go to one of the 150 schools listed in the Class Actions, you may be eligible for full or partial student loan forgiveness under a program calledBorrower’s defense to repay the loan. “

To obtain forgiveness on your loans, you must fill out a Borrower Defense Application by November 3, 2022.

“It’s a hard process,” says Sonya Lewis, AKA. Student loan doctor, which has helped more than 20,000 people deal with federal student loans. “We already have On-demand category To help people through this process, but anyone can do it themselves.”

If you file a borrower defense application before June 22, 2022, you are already part of the semester. But if you attend one of the mentioned schools and have not yet applied to defend the borrower, there is still time.

Your loans will be put in patience while you wait for the decision

Those who file borrower defense applications between now and November 3 will receive a decision from the Ministry of Education within three years. “Once the application is received and processed, the borrowers will be subjected to administrative tolerance while the government reviews the application,” Lewis says.

During the loan repayment period, interest will accrue, and the principal may accrue at the end of the forbearance period (which means that interest will be added to your principal balance and any new interest will grow on that larger balance). Only making interest payments during the forbearance period will help you avoid this.

Lewis encourages people to apply for other forgiveness programs and “prepare to repay in January 2023.” It says that borrowers usually receive correspondence that the borrower’s defense request has been received. After that, the administrative forbearance begins and you do not need to make any payments until they reach a decision. “Borrowers should continue to repay their loans while they await a response to receipt of their applications.”

Here’s a simple three-step process Lewis recommends to help you get your borrower defense application approved faster.

1. Start filling out the Borrower Defense Form at studentaid.gov

First, you need to start filling out the Borrower’s Defense Application, which can be found at studentaid.gov. You will need the following information:

  • Your name, address, date of birth, social security number and other contact information
  • The name and address of the school you attended
  • Any related documents, such as:
    • texts
    • Registration Agreements
    • Promotional materials from your school
    • Communicate with school officials or staff
    • Student Guide
    • Course Catalog
    • Legal documents and more

Where most people get lost is when the form asks why you deserve a refund in the first place, Lewis says.

2. Google “[your school name] opposite the Ministry of Education

“This part is like passing a test,” Lewis says. “Type in a Google search for”[your school name] Against the Ministry of Education.” From there, the official Ministry of Education announcement will list all the reasons for suing the school in the first place.

For example, for ITT Tech, the The Ministry of Education site He says, “ITT has engaged in widespread and pervasive misrepresentations regarding students’ ability to obtain employment or transfer credits, and lying about program accreditation for ITT’s Associate Degree in Nursing.”

3. Copy exactly the language mentioned in the suit to your application, if applicable

Once you’ve Googled the details of the lawsuit, Lewis says you need to copy and paste this exact wording into the app. “Nine times out of 10, that applies to most students who graduated from those schools because it was a global thing.”

Section 4 of the Borrower Defense app has a few places where you can paste this information. There are 10 parts to Section 4:

  • Admission selectivity: Relevant if the school you went to made false claims about how many people were accepted, or how difficult it was to get into the school, to name a few
  • Third party representations: Relevant if the school you went to misrepresented or misrepresented its rank in any “best schools” list
  • Urgent registration: If your school tells you that you have a limited time to enroll in your program
  • educational services: If your school misrepresents or lied about teacher qualifications or the institution’s accreditation status
  • Jobs chances: If your school misrepresents or makes false claims about their employment rates
  • Program cost and loan nature: If your school failed to explain the total cost of the program and the type of loans you were getting to pay your tuition fees
  • Transfer Credits: If your school provides false information about your ability to transfer credits to and from another school
  • Professional Services: If your school fails to deliver the professional services it promised
  • Rule (These last two sections apply only to borrowers who took out a direct loan between July 1, 2017 and July 1, 2020)
  • breach of contract

Within each section, there are also text boxes where you can explain your situation. For the ITT Tech example, you could write “ITT lied about the ITT associate degree program credit in Nursing” in the text box under Education Services, and “ITT has engaged in widespread and pervasive misrepresentations regarding students’ ability to obtain employment or transfer credits” in the boxes Under the Employment Services and Credit Transfers sections.

“You’re going to take that information and retype it because that’s probably exactly what happened to you,” Lewis says, adding that the precise language could make it easier for the people processing the apps to process your responses.

If in doubt, start applying, Lewis says, “These schools have been in contempt for illegal practices. They give money back to many of these schools, like a check in the mail if you attend.”



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