Final Notice 

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In this article, I’m going to explain the qualifications for receiving Art Institute loan forgiveness and I’ll also provide you with details on how to apply for the benefits mentioned above. Furthermore, I’ll tell you exactly what you need to do to increase your chances of getting your application for either program approved.

If you paid more than $500 towards your student loans you need to call 1-888-889-6610 to start the refund process first.

If you’re a former student at the Art Institute and want to find out how to get rid of your student loans, then you’ve come to the right place. Rest assured, Art Institute loan forgiveness is 100% legit. As long as you qualify for either one of the two government programs I mentioned above in order to wipe out your debt for completely, and for good.

The company that owns the Art Institutes,  Educational Management Corporation, was accused of violating US consumer protection laws, and in 2015, they agreed to forgive up to $103 million  in student loan debt.

They also agreed to fork over $95.5 million as a result of a whistleblower’s claim that they were engaging in a student recruitment strategy that violated US federal law, which is good news for former students, as this opens them up to Borrower’s Defense Against Repayment claims.

In other words, The Art Institutes broke the law, and while they never admitted the illegal behavior, they did agree to pay out nearly $200 million dollars to make the lawsuits go away.

This means that there’s a very good possibility that you can qualify for some of that $200 million settlement to get rid of the student loans you took out in order to attend the school.

As I stated above, there are two ways that former students of the Art Institute can apply for student loan forgiveness:

1. The Borrower’s Defense Against Repayment Program
2. The Closed School Student Loan Discharge Program

Unfortunately, you cannot apply for both programs. Therefore, you’ll need to choose the student loan forgiveness program that gives you the best chance of actually getting rid of your loans.

Let’s take a look at the differences between the two programs so you can figure out which one will work best for your specific situation.

The Borrower’s Defense Against Repayment program was created to help people who took out loans in order to attend schools that broke the law in order to convince them to attend the school.. And because the Art Institute has clearly violated many laws, anyone who took out a student loan to attend one of their schools is basically automatically eligible for the Borrowers Defense Against Repayment program, which offers complete student loan forgiveness.

Remember, you aren’t the only person who was affected by the school’s illegal marketing, enrollment and recruiting activities. Other students took out loans as well in order to attend the school and many of these students have already had their loans forgiven.

Therefore, if you’re still wondering whether or not the forgiveness benefits for the Art Institute are legitimate, I can tell you with certainty that YES, this is likely your best and perhaps only opportunity to wipe out your student loans. If you do choose to apply for a Borrower’s Defense Against Repayment Discharge, there’s a very good chance that you will be able to get your student loans forgiven entirely.

But before you get too excited, here’s the most important part of the Borrower’s Defense process: it’s extremely important that you link your Borrower’s Defense claim to the Art Institute’s  lawsuit and the fraudulent activity that they’ve been accused of performing.

In order to do that, you will need to add details about the lawsuit into your Borrower’s Defense application, including monetary settlement figures and links to reputable sources containing information about the lawsuit and settlement they agreed to. Consider your application as an attempt to build a case against the school, and if you’ve watched enough court TV, then you know that every case needs evidence to win!

If you are eligible for the program and your application for the Borrower’s Defense Against Repayment is filled out correctly then you will qualify to have your student loans discharged and any payments you have already made toward the loan may even get refunded. Therefore, it’s vital that you pay attention to the details and fill out your application correctly, so let’s look at the application process in more detail.

You need to carefully explain that you would never have taken out a loan to attend the Art Institute if the school had not engaged in fraudulent activity designed to convince you to take out those student loans. Stress the fact that the school lied to you and that this was the only reason you decided to take out the student loan, or your application may not be approved.Image result for bbb logo

You’ll need to discuss the specific lawsuit involving the school too, but remember that because the Art Institute agreed to pay out nearly $200 million it will be relatively easy for you to prove that they misled you via false advertising; you just need to explain exactly what they did and how it impacted your decision to attend the school.

Be very specific when explaining how the school misled and tricked you into thinking that it was a good idea to take out the student loan to attend their programs. What exactly did they tell you?  Be sure to include everything in your application, and go into detail about it. Remember, you are building your case here so take your time and think it through before you even start writing about what happened and how it influenced you. Make sure that you can tell a clear story about what they said or did that changed your thinking, and convinced you to borrow money to attend the school.

In the next section, I’ll explain exactly the Art Institute did that led that to its closing and class action lawsuit. If any of these things sound familiar to you, then you can use them as the reasons for your Borrower’s Defense Claim, so listen closely and write down anything that you remember happening to you.

What Fraudulent Activity has the Art Institute Been Accused Of?

The Art Institutes are owned by Educational Management Corporation, the second largest for-profit college in the US. In the lawsuit against the Art Institute, which was actually filed against EDMC, they were accused of violating consumer protection laws, leading to a 2015 settlement in which they promised to forgive almost $103 million in student loan debt, and to pay $95.5 million over whistleblower claims that EDMC’s recruitment strategy also violated federal law.

EDMC refused to admit that they had done anything wrong. However, they agreed to pay almost $200 million dollars, which is basically as good as admitting their guilt, and which you can use for your Borrower’s Defense argument.

Of course, it isn’t enough to merely point to the Art Institute’s wrongdoing. You will need to emphasize that the school did these things to you. In other words, you will need to be very specific on your Borrower’s Defense application by explaining what the school said, did, or advertised which convinced you personally that you needed to borrow money to pay for their higher education programs.

Let’s take a look at what exactly EDMC was doing that led to the lawsuit. As a former Art Institute student, ask yourself if any of these things happened to you.