FAFSA Borrower Defense Application Help - Advice for Trade School Claims?
I'm about to submit a Borrower Defense to Repayment application for a trade school I attended briefly before dropping out. I've printed all the instructions from studentaid.gov but honestly I'm feeling overwhelmed by the amount of information and strict guidelines. There are so many sections to fill out and I'm worried about messing something up and having my application rejected. Has anyone successfully completed a Borrower Defense claim, especially for a trade school? Any tips on what evidence was most helpful or which false claims/practices I should focus on documenting? The school made some pretty outrageous job placement promises that never materialized, but I'm not sure if that's enough or how to properly document it. Also, does anyone know the current processing timeline? I've heard these can take forever to review.
17 comments


Jade Santiago
I successfully got my Borrower Defense approved last year for a similar situation with a trade school. Here's what helped me the most: 1. Be extremely specific about the false claims. Don't just say "they promised jobs" - write exactly what was said, by whom, when, and how it was misleading based on actual outcomes. 2. Documentation is CRITICAL. Gather any brochures, emails, recorded calls, screenshots of their website (use Wayback Machine if needed), and enrollment agreements showing their claims. 3. Include testimonies from other students if possible. 4. Research if your school has had legal actions against them - this strengthens your case significantly. 5. Be methodical about organizing your evidence with a clear timeline. The current processing time is unfortunately still very long - mine took about 14 months from submission to approval. But definitely worth it as I got 100% discharge. One last tip: Make a copy of EVERYTHING before you submit. The FSA website can sometimes have issues and you don't want to lose all your work.
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Lauren Johnson
•Thank you so much for the detailed advice! Did you submit your application online or through mail? I'm worried about the online system timing out while I'm putting together all that information. Also, when you say "testimonies from other students" - did you just include written statements or was there something more formal required?
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Caleb Stone
i did one for ITT tech and got denied twice lol. don't get ur hopes up they reject most of them
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Lauren Johnson
•Oh no, that's discouraging. Do you know why yours was rejected? Was there something specific they said was missing?
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Caleb Stone
•they said "insufficient evidence" both times even tho i sent them news articles about the lawsuits against the school. whole system is rigged
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Daniel Price
I'm currently in the middle of my borrower defense claim for a culinary school that closed down. The most important advice I can give is to BE SPECIFIC about each misrepresentation. I broke mine down into 5 different categories: 1. Job placement rate misrepresentations 2. Guaranteed employment claims 3. Expected salary misrepresentations 4. Accreditation misrepresentations 5. Transfer credit misrepresentations For each category, I included exact dates, names of admissions officers, what was specifically said, and how it turned out to be false. Also, if they used ANY specific numbers in their claims (like "95% job placement rate" or "average starting salary of $45,000"), DEFINITELY include those because those are factual claims that can be proven false. It's been 11 months since I submitted and still waiting for a decision.
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Olivia Evans
•This is excellent advice. Breaking it down by category of misrepresentation is exactly what the Department of Education reviewers are looking for. One thing I'd add - if the school has been investigated by a state attorney general or the FTC, make sure to reference those investigations specifically. The Dept of Education puts significant weight on those official investigations.
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Sophia Bennett
calling the FSA hotline is totally useless btw...they'll just tell you they can't give you any specific information about your application or timeline. i've tried like 20 times and wasted hours on hold
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Aiden Chen
•I had the same experience trying to call about my borrower defense application. Spent over 3 hours on hold across multiple days and never got through to anyone helpful. I finally used Claimyr (claimyr.com) to get through to an actual FSA agent who could check my application status. They have a video showing how it works: https://youtu.be/TbC8dZQWYNQ Totally worth it for me since I was able to find out my application needed additional documentation that they never notified me about. Saved me months of waiting only to get rejected.
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Sophia Bennett
•oh wow never heard of that, will check it out. getting so tired of the automated messages!
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Olivia Evans
As someone who's helped numerous students with successful borrower defense claims, here's what I recommend focusing on: 1. The specific legal standard is "substantial misrepresentation" - meaning the school made statements that were false, misleading, or deceptive and that a reasonable person would have relied on when deciding to enroll. 2. Common valid claims for trade schools include: - False job placement rates - Misrepresented earnings potential - Lies about credentials/accreditation - Promised career services that didn't exist - Deceptive recruiting practices 3. Your evidence should directly connect the misrepresentation to your decision to enroll. Make this explicit. 4. Be aware the current approval rate is unfortunately low (~18%), but well-documented claims with specific evidence have much better odds. 5. Include any information about regulatory actions against the school - this is extremely helpful. Feel free to follow up with specific questions about your situation and I can provide more targeted advice.
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Lauren Johnson
•Thank you for this detailed breakdown! The school definitely misrepresented job placement rates - they claimed 85% placement when I later found out it was closer to 30%. Do you suggest I try to get official statistics, or is my testimony about what they told me sufficient? Also, should I include details about loans I took for books and housing, or just tuition?
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Olivia Evans
•Your testimony about what they told you is important, but if you can find ANY official documentation of their claims (brochures, website archives, emails), that significantly strengthens your case. Check if your state education department has any published data on the school's actual placement rates. As for the loans, include ALL federal student loans connected to your attendance - tuition, books, housing, etc. The discharge applies to the full loan amount if approved.
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Zoey Bianchi
I fild my borrower defense last year and still waiting... good luck with the wait its KILLING ME!!!!
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Lauren Johnson
•Ugh, that's frustrating. How long have you been waiting exactly? Did you get any updates at all during the process?
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Daniel Price
One thing nobody mentioned - make copies of EVERYTHING before you submit. My friend lost all her documentation when her computer crashed and had to start over. I keep copies in 3 places (computer, cloud, and printed). Also, be prepared for a LONG wait. The Dept of Ed is severely backlogged with these applications.
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Lauren Johnson
•That's great advice about the backups! I'll definitely do that. I'm planning to keep a binder with all the printed materials too just to be safe.
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