University of Phoenix scam may be a for-profit university that gives certificates and degrees through online and/or in-person learning. it’s headquartered in Phoenix, AZ, but it maintains campuses through the us . UoP has open enrollment, requiring students to possess a highschool diploma or GED to be admitted. the varsity offers single-courses and certificates in multiple disciplines. It also offers associate’s, bachelor’s, master’s, and and doctoral degrees. See the whole program list here (click on Degrees and Programs).
Judging from online reviews, people that had best at UoP are typically non-traditional learners, for instance , people that have already got full-time jobs and are within the working world for a short time .
If you’re considering getting to this school, it’s knowing make sure that you thoroughly understand your total cost of attendance through graduation, including books, materials, and fees. it is also an honest idea to make sure that you are taking the acceptable class level. for instance , if you are taking a computing class, it is vital to understand what baseline of technical knowledge you’ll got to achieve success within the class.
Finally, it is vital to recollect that your education is an investment. it is often knowing thoroughly research several different schools and programs of study before making a choice .
What were the Claims of the FTC?
In the University of Phoenix lawsuit, the Federal Trade Commission claimed that the companies mentioned in “the Parking Lot” TV ad had no special connections with the university. According to the FTC, these major employers were not creating opportunities specifically for the Phoenix University students. However, it should also be noted that the relation between the university and companies was that the school provided tuition discounts for the employees of these organizations. Another claim by the FTC that led to the University of Phoenix settlement was that the people shown in the ad, together with company logos, worked in those companies even before getting an education in the university. Allegedly, the mentioned special opportunities were open to anyone. Lastly, there was no proof for partnering with companies about curriculum, according to the FTC.
University of Phoenix Settlement
In 2019, the University of Phoenix lawsuit settlement brought $191 million benefits to debtors. Out of this money, $141 million was loan forgiveness, while the rest, $50 million, was in the form of consumer refunds. This huge settlement amount is the highest in the case of FTC against a for-profit school. Besides monetary settlement, the defendants should ask the credit rating agencies to delete any record about Phoenix University debt from the consumer reports. It means the credit scores of the lenders could increase. Additionally, they were obliged to notify debtors about their eligibility for loan forgiveness and ensure they had access to their diplomas or transcripts. It should also be noted that the defendants did not admit nor denied any wrongdoing.
University of Phoenix Settlement: Do I Qualify?
The University of Phoenix settlement looks like a fantastic opportunity for debtors. In fact, it benefitted many debtors as the amount was the highest settlement against a for-profit institution investigated by the Federal Trade Commission. However, unfortunately, not everyone could qualify for this chance. The eligibility requirements included the time period for enrollment- between October of 2012 and December of 2016. As the marketing campaign was launched during this period, the officials decided that the marketing strategy could have highly influenced students enrolled. Additionally, only the loans directly owed to Phoenix University could qualify. Other debtors with federal, state, or private loans, could not get their shares from the debt forgiveness opportunity.
Yet, do not lose your hopes if you have studied at Phoenix University. Even if you do not qualify for the University of Phoenix lawsuit settlement, other opportunities can help to reduce or get rid of the debt fully. One of such options is Borrowers’ Defense to Repayment, which can bring 100% debt reduction. Others who do not qualify for this loan forgiveness program can benefit from repayment plans, consolidation, or settlement to decrease the debt burden. Keep reading to get familiar with these options promising a debt-free future.
Borrowers’ Defense to Repayment
If you think that the Phoenix University practices falsely influenced you or misled you in your enrollment decision, you can get the benefit of Borrowers’ Defense to Repayment. This loan forgiveness program can bring partial or full elimination for your direct loans. Keep in mind that this opportunity does not involve private, state, or other federal loans. Specifically, Federal Family Education Loan and Perkins Loans do not qualify for this program. Even great, Borrowers’ Defense can refund the previous payments.
There are two main conditions to qualify for the forgiveness program. First, a student should face misconduct or believe that the university engaged in deceitful actions about educational matters. Hence, issues like false accreditation, wrong information about tuition costs, or credit transfers can make applicants eligible. On the contrary, personal matters like harassment or physical damages cannot be grounds for this program.
Second, an applicant must prove the wrongdoing. Without providing necessary documents and proofs, one cannot get the support of the Education Department. This process involves a clear explanation of your undesirable experience and supply of documents like email communications, brochures, transcripts, agreements, etc.
If a student is not eligible for the University of Phoenix settlement, application to another forgiveness program can take only thirty minutes. The application form for the Borrowers’ Defense is easily accessible online. One can fill and submit it online. Alternatively, it is possible to print the filled form, sign it, and mail it. However, first, applicants should create an account on Borrowers’ Defense platform and enter details like school name, enrollment program, and dates, together with all documentation to support the claims.
Review and Response
Once the application is submitted, applicants need to wait for the Department of Education to review the case. It might take as long as a year. However, when they make a decision, they will notify the borrowers by email or mail. In this notification, one can find the result- approval and denial, the reasons for rejection, and the percentage of reduction if approved. An applicant who is not satisfied with the result can request a new review. Such borrowers should send an email to the official address with the subject “Request for Reconsideration.” Alternatively, the requests can be sent via email.
Plus, if a borrower wants to make new allegations other than the previous application cases, he/she can fill a new form. Yet, in this new application, the debtor must explain why they felt the need to apply again and support the causes with reliable documentation.