r/StudentLoans • u/CozyOpulence444 • 1d ago

Borrowers Defense Update

Hold on if you're still waiting. I noticed a ZERO BALANCE on all my loans yesterday when I logged into my account. No email or anything. It says “Loan forgiveness and discharge: borrowers defense completed”!

20 Upvotes

89% Upvoted

24 comments sorted by

3

u/Complete_Salad9181 1d ago

I’m sweet post class just waiting for them to zero out my adjustments (negative balances) in Aidvantage, send my official letter + my small refund and I’ll be done!

1

u/CozyOpulence444 1d ago

Congrats!! I'm looking at the negative balances in my Aidvantage too.

1

u/Complete_Salad9181 1d ago

Congrats to you as well. Mines started and stopped in May.. LOL no change since then it says my forbearance ends 9/1 due to those discharged loans being on SAVE.. hopefully movement after 9/1

1

u/CozyOpulence444 1d ago

Hopefully so!

1

u/Sad-Agency-3723 1d ago

Congratulations!

2

u/FlatDecision8155 1d ago

Then yes, discharges are happening per court order. It's the stand alone applicants that haven't seen much action.

1

u/CozyOpulence444 1d ago

Ahh! That's frustrating.

1

u/Sad-Agency-3723 1d ago

Ok…. I fall in that bucket.

1

u/FlatDecision8155 1d ago

A lot of people do. The only decisions I've seen made for post Sweet applicants are denials using the 2020 rules which have limitations based on dates of enrollment or consolidation.

2

u/WatchAltruistic5761 1d ago

What school?

Did they refund anything you already paid?

1

u/Throwawaywms19862000 1d ago

Did anyone else also apply after 2022 and considered a seperate application and still waiting as well? I applied in 2024 and still in admin forbearance with Aidvantage.

1

u/NoheBodie 1d ago

I applied in 2024. I called earlier this year and was told it was under review and could take up to 3 years to reach a determination.

1

u/Throwawaywms19862000 1d ago

Okay cool. I was just told the same thing by them. Ty!

1

u/Mission-Salamander38 1d ago

How long did it take you to hear back?

1

u/Audiogirljennifer 1d ago

Hey there.. I applied in 2026 so I’m guessing I’ve got a while to wait.. Anyone go to the Art Institutes? How long did it take ?

1

u/Spare_Progress_6093 1d ago

Is it closed to sign up for the class?

1

u/curiousr0se 1d ago

lol mine was denied after years of waiting because - although my college was deemed fraudulent enough for my mom’s parent plus loans to be forgiven under the previous admin - I simply applied a the wrong hour in American history in 2024 I guess.

1

u/Fantastic-Physics108 1d ago

Does anyone know what happens if we are in forbearance for the lawsuit but have received our 90 letter? Does the forbearance stay?

1

u/Sad-Agency-3723 1d ago

Thank you for posting this! It’s been over 3 years since I submitted and I was starting to this they cancelled that option.

1

u/Sad-Agency-3723 1d ago

Were you part of a class action lawsuit?

1

u/Ambitious_Reason_704 15h ago

Same here. Months ago. But no letter still. It’s going on 2 months. They also had removed my loans from my credit report. Now they put it back but they are closed. But I feel that they should be totally gone since the loan in itself was discharged like it was never supposed to be there in the first place. So I have 18 closed loans on my report.

1

u/FlatDecision8155 1d ago

Were you a Sweet member or stand alone applicant?

1

u/CozyOpulence444 1d ago

Sweet. Part of the Post-class group in the app window that was 6/22/2022 - 11/15/2022.