Borrower Defense
Borrower Defense to Repayment
If your school lied to you or broke the law in connection with your loans, borrower defense to repayment may cancel those federal loans. It is evidence-heavy and slow, and we help you build and file the strongest application possible.
Borrower defense to repayment exists for borrowers who were misled or defrauded by their school. It is one of the more complex and slow-moving programs, and in 2026 it is especially fluid: a newer rule is on hold, claims are being decided under older standards, and litigation continues to affect processing and timelines. A strong, well-documented application is the single biggest factor in a case like this.
This may be a fit if…
- Your school made promises about jobs or outcomes that were false
- Your school closed or faced fraud or misconduct findings
- You feel your education was misrepresented when you enrolled
- You want help organizing evidence into a real application
How we help
- 1Review the school, program, and timeline of what you were told
- 2Help identify and organize supporting documentation and evidence
- 3Prepare the borrower defense application for submission
- 4Track the application and Department of Education updates
Our honest take
Borrower defense is genuinely uncertain and slow, and its status is changing frequently. We will give you a realistic view of your odds rather than a sales pitch, and we will only recommend moving forward if your case has real substance.
Common questions
See what you actually qualify for.
A free, honest evaluation with a real advisor. No pressure, no obligation, and no cost.