153 Schools That Qualify for Borrower Defense: Get Your Loans Forgiven in 2024

Tens of thousands of student loan borrowers may qualify for complete loan cancellation through a little-known program called Borrower Defense to Repayment. If you attended one of 153 for-profit or online colleges, there’s a strong chance you could get your federal student loans discharged.

What Is Borrower Defense?

Borrower Defense is a legal right for student loan borrowers to request loan forgiveness if their school:

• Misled them about job prospects
• Lied about credit transfers
• Used deceptive marketing or aggressive recruitment tactics

If your school is on the Sweet v. Cardona settlement list (linked above), your chance of full forgiveness is significantly higher—especially if you applied before June 2022.

Recent Lawsuit: For-Profit Colleges Are Fighting Back

Some schools like Lincoln Tech, American National University, and Everglades College are suing the Department of Education to stop forgiveness, claiming the list of 153 schools hurts their reputation. But this lawsuit doesn’t change your rights as a borrower. If you were misled and took out loans, you have legal options for relief.

Why This Matters

"One borrower had $30,000 forgiven and got a cash refund after LoanSense helped file their Borrower Defense claim."

✅ You may qualify for:

• Full loan discharge
• Refund of payments already made
• Credit report correction
• No requirement to consolidate first

Even if your school isn't on the list, you can still file a claim and be considered.

What’s in the Flowchart Everyone’s Sharing?

A detailed flowchart circulating online helps you understand:

• Whether you’re eligible
• What steps to take if you’ve been denied
• What kind of relief you may receive

We’ve linked the flowchart and Department of Education Borrower Defense Guide (PDF) for your reference.

Key Deadlines and Why Timing Matters

📅 Did you apply before June 22, 2022?
You may get automatic relief under the Sweet v. Cardona settlement.

📅 Applying now?
You still qualify for review—but make sure you include clear documentation and explanations. If you’ve been denied before, you can apply again.

What You’ll Need to Apply

• Your school name and dates of attendance
• Documentation (transcripts, enrollment letters, emails, etc.)
• A written explanation of the harm you suffered (we can help draft this!)

The application is lengthy (25 pages), but LoanSense has helped dozens of borrowers submit strong claims and follow up with the Department of Education.

Don’t Wait—Relief Is Time-Sensitive

If you believe you were misled by your school, LoanSense can help you file a strong claim with personalized support.

➡️ Book your free consultation now

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