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If Your School Misled or Lied to You, You Can Apply to Have Your Federal Student Loans Forgiven

Under federal law, you have the right to apply to have your federal student loans forgiven if your school misled you or lied to you. To apply to have your student loans forgiven, you need to fill out an application for “borrower defense to loan repayment,” issued by the U.S. Department of Education. Click here to read more about borrower defense to repayment.

To assist you in filling out each section of the application, NYLAG has created this Federal Student Loan Borrower Defense to Repayment Application Guide. This guide can be used by anyone who attended any school regardless of the state you live in or where you attended school.

About the application process:

  • Even if you don’t have all of the information or any of the supporting documentation requested, you should complete the application.
  • If you were misled by multiple schools, you should fill out a separate application for each school.
  • The application is composed of seven sections that ask you to provide basic information about yourself and your school, and to describe the ways in which your school misled you in as much detail as possible.

About NYLAG’s Federal Student Loan Borrower Defense to Repayment Application Guide:

  • This guide is for informational purposes only. It is designed to help you complete the application as thoroughly as possible. This guide does not create any attorney-client relationship.
  • What you choose to include in the application is ultimately up to you.
  • NYLAG cannot guarantee that your loans will be forgiven. The Department of Education will make the decision of whether or not to forgive your loans.

Click here to download NYLAG’s Federal Student Loan Borrower Defense to Repayment Application Guide.


Learn more about the services offered by NYLAG’s Consumer Protection Unit.

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