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Understanding Borrower Defense and How to File a Strong Claim

Melanie Meths A|Loan Guides|June 26, 2024
Understanding Borrower Defense and How to File a Strong Claim

Borrower Defense is a critical option for students who have been defrauded by their schools. This blog post will guide you through the process of filing a Borrower Defense claim, highlighting what makes a strong application and the types of evidence needed.

What is Borrower Defense?

Borrower Defense allows students to seek loan forgiveness if their school engaged in deceptive or illegal practices. Schools involved in the Sweet v. Cardona lawsuit are prime candidates, including institutions like the Art Institute, Corinthian College, DeVry University, and ITT Tech.

Key Elements of a Strong Borrower Defense Claim

  1. Detailed and Specific Claims: A strong application provides detailed descriptions of the deceptive practices and their impact. Specific examples and timelines are crucial.
  2. Supporting Evidence: Evidence strengthens your claim. This includes:
  3. Transcripts: Show discrepancies in promised versus delivered education.Cost Discrepancies: Provide cost grids showing differences between promised and actual costs.Written Documentation: Emails, advertisements, flyers, and other written materials can support your claim.Testimonies: Statements from classmates or school staff can also be helpful.

Common Claims and Evidence Examples

  • Internships and Practicums: If the school promised internships or practical experiences and did not deliver, provide evidence such as advertisements or enrollment adviser emails.
  • Professor Qualifications: Claims about unqualified professors are less strong unless backed by clear evidence of misrepresentation.
  • Financial Misrepresentation: Claims about incorrect costs should include detailed financial documents.

How to File a Claim

  1. Gather Evidence: Collect all relevant documents and detailed descriptions of your experience.
  2. Complete the Application: Focus on one or two strong sections rather than trying to fill out every part.
  3. Consult an Advisor: While not attorneys, LoanSense advisors can help strengthen your application.


Filing a Borrower Defense claim can lead to significant loan forgiveness if done correctly. Focus on providing detailed, specific claims supported by strong evidence. For personalized advice, consider scheduling a consultation with a LoanSense advisor.

For more information and to see if your school is on the Borrower Defense list, check the links provided. Stay informed and proactive in protecting your educational investment.

If you need personalized assistance or have questions about your specific situation, our experts at LoanSense are here to help. Visit our website at to learn more about our services and get in touch. You may also check out our YouTube Channel for more informative discussions and topics related to student loan debt.

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