Student Loan Borrower Defense

If your school misled you, you may not owe what they say you do.

One-on-one borrower defense guidance from an advisor who has personally guided borrower defense applications — not a call center, not a script, not a guess.

No obligation. No pressure. Just a clear read on where you stand.
Preliminary
Assessment
Case Review
FILE NO. BD-00142
  • School closed while you were enrolled
  • Misrepresented job placement or outcomes
  • Breach of your enrollment agreement
  • Predatory or deceptive enrollment practices
[X]+
Borrower defense applications guided
Borrower defense only
Not a generalist — this is the entire practice
Direct access
You work with your advisor, not a rotating team
How it works

A clear process, start to finish

Four steps. No surprises about what happens next or what it costs.

01

Free call

15 minutes, no cost. We talk through your school, your loans, and what happened.

02

Eligibility assessment

A $29 in-depth review against Dept. of Education criteria. Credited toward your case if you move forward.

03

Application preparation

We gather documentation and draft your application together, line by line.

04

Submission & follow-up

Your application is filed and tracked. Questions get answered as they come up.

Do you qualify

Common signs borrowers qualify for defense

Every case is different — this isn't an exhaustive list, and only the Dept. of Education makes final determinations. But if any of this sounds familiar, it's worth a conversation.

Your school closed

You were enrolled, or recently withdrew, when the school shut down.

Misrepresented outcomes

Job placement rates, salary claims, or accreditation status weren't what you were told.

Broken enrollment agreement

The school didn't deliver what your enrollment agreement promised.

Deceptive enrollment tactics

You were pressured, rushed, or misled into signing up or taking out loans.

Client Experiences

What clients have said

Real feedback from people I've personally guided through borrower defense — added here as each client gives permission to share their words on this site.

"

[Placeholder — client quote will go here once permission is confirmed.]

— [Initials], [State]
"

[Placeholder — client quote will go here once permission is confirmed.]

— [Initials], [State]
"

[Placeholder — client quote will go here once permission is confirmed.]

— [Initials], [State]

Client initials and general location only, shown with permission, to protect privacy.

Services

Two ways to work together

Which one fits you depends on how far along you already are. Pricing is discussed on your free call, based on your specific situation.

Already started, not sure it's ready

Review Service

For borrowers who've answered the questions, gathered some evidence, and drafted something — but aren't confident it meets the Dept. of Education's guidelines. We review what you have, flag gaps, and help you get it submission-ready.

Book a free call

Pricing is discussed on your free call and reflects time and expertise, not a guarantee of loan discharge or any specific outcome. The U.S. Department of Education makes all final determinations on borrower defense claims. This service does not constitute legal representation.

Free Resource

The Borrower Defense Guide

18 PAGES · PLAIN-LANGUAGE · NO EMAIL SPAM
Not ready to talk yet?

Start with the guide

What borrower defense is, who typically qualifies, what evidence helps, and exactly how the application process works — in plain language, no jargon.

One email. No spam, no obligation.
FAQ

Common questions

Does this guarantee my loans will be discharged?+
No. No one can guarantee a borrower defense outcome. The Department of Education reviews each application individually and makes the final decision. What this service guarantees is a clear, well-documented, correctly filed application.
Is this legal representation?+
This service provides guidance and application support, not legal representation. If your case needs an attorney, that will be discussed with you directly.
How long does the process take?+
Preparing a well-documented application typically takes a few weeks depending on how quickly records can be gathered. Department review times vary and are outside our control — we'll give you a realistic estimate on your free call.
What if I don't qualify?+
You'll be told plainly if borrower defense doesn't look like the right path, and pointed toward other options that might fit your situation better.