They have done nothing but lie from the beginning. This happens, relatively regularly. Hi Tim and everyone , Thanks for all the information. The faculty that I have known and still work with are very talented and dedicated to their students. And as you may know the pay for faculty at UOP is minuscule but as a teacher I am use to that. Anyway, I have a quick question.
This was in the billions of dollars per school and UOP was way, way higher then all other schools. This got me thinking about, not only how much money UOP makes now owned by several private international investment holding companies , but how much money the creditors banks make, especially when you figure in the interest. Do you know any thing about this, i. Total outstanding student loan debt is now over 1.
Thank you for getting back to me so quickly. What a nasty scam this whole student loan business is. How could our legislators allow this? I was told by uop that my financial aid was sent back and that now I owe them. They literally are holding my transcripts hostage and wont allow me to go back to school. Contact the Student Loan Ombudsman Group to ask them for help resolving this.
They offer free legal advice for student loan-related issues like this. This happened to me as well in , except I was a struggling single parent who begged my advisor to withdraw me from classes when I lost my job and needed to focus on finding a new one. I was shocked when it showed up on my credit report.
Now, I cannot enroll in any college without my UOP transcript that they refuse to release for the mere 6 credits I earned in that short period! Any suggestions greatly appreciated…. Go to the official Government website here. Joel, This is crazy! I received My Federal Student Loan back in ! I never visited the enrollment office or anything! They simple just had us fill out paperwork!
Navient talked me through at least 3 forebearance periods! Today I still owe 4 more years on my loans! The Federal Loans was divided by Navient into 7 separate loans at anywhere from It even says on my loans congress sets the interest rates! Any recommendations?????? I did not graduate but when I was talking to my counselor they made it sound like I wouldnt have to pay anything because of my federal grant. They told me that my books would be covered, I had to pay for them out of pocket.
I was so excited listening to everything he was saying that I didnt realize that 6 years after I stopped attending because my out of pocket expenses for books and other things I needed including internet were becoming to much, they took my federal income taxes and I owed even more. I never recieved a letter in the mail stating I had to pay any amount so when my taxes were taken I started making phone calls and by this time the interest was very high and it killed my credit score.
This part is what irritated me the most. Like I said I know I dont qualify but wanted to get my story out there. I definitely think that you may have a chance at a BDAR discharge if you can prove the part about the promise that Grants would cover all your costs. You need to explain where you were told this, who said it, what exactly they said, how it impacted your decision to take out loans, etc.
I was told I qualified for special grants for low-income, single parents. Not only would my tuition and books be covered, I may also receive a small amount extra for help with living expenses. I received a check from them and used it to pay for the laptop I got for my classes. A few years later, after I withdrew from UOP because I realized the classes were a joke , I was shocked to see all these collections for student loans.
I found that funny since I did everything over the phone. I asked for for recordings and was repeatedly denied. I would definitely pursue the BDAR Discharge in your case, it sounds like you may have a slam dunk here! I filled out the ppw that day and got an email reply within 24hrs. These bogus loans are the ONLY negative on my credit and I have been fighting them for so long I had almost given up all hope. Sent an inquiry to the Attorney General in North Carolina and UOPHX lied that they did not tell me they would help me with job search and that everything that was needed to know was on their website and they even had recruiters that received bonuses to the amount of people they signed up to go to college and they disputed that as well.
They told me that hey do guarantee job placement to its students, but there are a wide variety of tools available to all current students and alumni.
They say that they do not find no evidence to substantiate my claim that my loan should be removed or terminated due to false claims of the recruiters telling me I would make more money because company I worked for would look at me as a valuable person, Most other employers look at my degrees as a joke as well when they look at the UOPHX On-line.
The recruiters also, knew I had a disabled son and they honed in on that as well that when I began classes I could possible work part time as a recruiter and receive bonuses on signing people up for classes. Why do we have to be penalized and why are they saying that I am in the wrong in their letter..
I wish I could send a PDF so you can read it, because every time I do read it it makes me madder then a jack rabbit caught it a briar patch.
If you were guaranteed job placement, that is an illegal activity on the behalf of the school, and clearly explaining what they promised should qualify you for a debt discharge. Tim, I have just recently learned of this information from you. I was also told they had a mentoring program that would assist in getting a job for me once graduated, not the truth at all. To date I am still unable to fully utilize the degree I am being charged for and some employers I have interviewed with have even told me they would need my degree from a different college in order to consider me for the position.
I mean the entire reason I went back to school was to get my degree and build a better future and yet I still have a mediocre job in the lowest level. I was also told by UOP that a degree in Public Administration would be a great door opener to the administrative side of the government jobs, also not the case. The counselors I dealt with are likely long gone but I do have some paperwork from my time there and possibly some original emails but as for the advertisements I do not have any of that stuff.
Will I still qualify to try and get this debt discharged? I have more than 70k owed to them and since the completion of the degree they offered I have not even made enough money to really pay anything back due to the lack of salary to do so. I am on income driven repayment plans and my interest continues to grow on the bill. This is so hard to deal with since this hangs over my head all the time and I am not able to pay it off. Also, how can we be sure you are legitimate? No offense but in a world as we live in there are many avenues to take personal information from an already desperate person who seeks real help.
Thank you for any of the information you can provide me. Did you read my entire post, including the section talking about the types of things that qualify you for a discharge? You would have had to be told that you could get a certain salary, a specific job title, etc, to qualify.
I would review your materials and see if you can come up with something stronger. See if you can find anything about promising graduation rates, or a percentage of people who find a job in their field of study, or a promise about making a set amount of money, or getting a specific job title.
Hey Tim: I sent a letter to the Attorney General and they got in touch with UOPHx and they called me a lier about what Angela was saying promising me a good job along with other things I confronted them with. Not through talking to the Attorney General, probably will not do any good. Crooked recruiters, more people sign up they get bonuses UOPHX disagree and I know it was true they said I could do it once I was accepted as a student.
I have more. Thanks, Sarah Bowman. Hi Sarah. I would definitely speak with the Attorney General if I were you, and see if they can do anything to help. The person I talked to when I signed up said they had some sort of incentive going on that had bachelors and associates degrees costing the same. This was the only reason I chose UoP. I have my Bachelors degree now, as of July That does not seem right for an AA. Is there anything I can do about that? My loan is through Great Lakes.
You would need to actually find out what the AA costs compared to the Bachelors, and see if there is truly a difference. I attended UOP for both undergrad and grad from to So I got an MBA, it turns out both degrees are useless! I have been unemployed since the day I graduated from my undergrad with Phoenix.
No one wants to hire me. I do odd jobs just to stay alive! I am stuck with this debt that will take a lifetime to pay off. I went to UoP because I was told they had a great program that would help me get a better job that paid more with an MBA. Try searching Google for some creative things and you may be able to surface some of their older stuff. You can plug in any domain on the web and look at old versions of their website. You may be able to navigate through the old site and find some of the promises you remember hearing.
To tell you the truth though, I think a compelling, detailed explanation of exactly how you were defrauded would win an approval. Thanks for the information.
I can not attribute any of my employment to my Masters and even though I make more money than I did back then I am stuck with this debt that will take a lifetime to pay off. I have done every type of forbearance I can because I need the money I make to take care of my family. I went to UoP because I was told they had a great program that would help me get a better job that paid more with a MBA. I looked a the Borrowers Defense Application and it asks for literature from the university or what they sent me back then that made me think this way.
Kind of hard to produce since I was there 10 years ago. Any advice? You may even be able to Google around to find pieces of evidence others have collected and are sharing. I think BDAR Applications will get approved without any hard evidence, as long as the specifics are enough to convince the DOE reviewers that there was an actual fraud committed against you, personally.
I follow the steps and takes me to section II where it has only 3 select schools to choose from. Is there a link hidden up top or some obscure place. Could really use the help locating it. I was in their doctoral program and was almost done when I caught on to their scam. My claim would be false certification. I started UOP in and two years later after a break I was denied re-entry due to the school where my highschool diploma was obtained loosing accreditation.
My highschool was not valid, my entrance counselor told me to appeal since I had already completed credits. I did and was allowed re-entry. I have the denial, appeal and re-determination letter granting my entry all why still not having a valid high school diploma. Is this a valid claim? This does not sound like enough to qualify for a discharge. Consider contacting the Student Loan Ombudsman Group to ask them if they think this will make you eligible for the discharge. They are a group of attorneys who are backed by the Federal Government and who are authorized to provide legal advice on student loan-related issues.
Tim, Thank you very much for this post and for the forum to ask questions. Several people I know have had terrible experiences with UoP involving misleading claims, predatory recruiting processes, and outright lies for profit.
However, consolidating is not necessarily advantageous financially, as keeping the separate FFEL loans allows one to pay down the loan with highest interest rate first after satisfying principal and interest on all loans, of course , whereas consolidating results in a loan with a single, weighted-average equivalent interest rate.
Can borrowers whose applications are granted be repaid for loan amounts that were repaid on FFEL loans prior to application? You clicked the wrong link. Once clicked on it has the Section 1 where your personal information is input and then at the very bottom it does ask about Corinthian College. I click the Yes and submit. It takes me to the Section 2 where I do not see Corinthian college anywhere in the list selected nor any link to it.
Am I just missing it? Try contacting someone at the Department of Education to see if they can offer some support on this. I am reading in some articles that only Direct loans qualify for this. Is this true? I graduated from UOP in and have my loans through Nelnet. How do I know what kind of loan I have? You need to find out if your loans are Federal or Private. The easiest way to figure this out would be to call your loan servicer Nelnet and ask them directly.
I attended UOP in and thought it funny that although I only worked a part time job I only received 79 dollars in student aid and had to take out loans to pay for the rest.
I also had credits that transferred from a community college and it still cost me for an associates from them. I also believe that I was made to take more classes than required. Would I be able to apply for forgiveness? You need to prove that you were defrauded in some way. Read my entire post to see the types of claims that would qualify for a discharge.
The forgiveness is taxable income???? So lets see…UOP lies to us and gets us to receive loans on an education that is worthless. Obviously through deceptive advertising and lying to the government violated state and federal laws to obtain money fraudulently from the government for a poor product. Now when the people that have been lied to, deceived and essentially RAPED get forgiveness of the loans they have been scraping to pay on for 10 years.
I agree with you entirely, but the IRS is basically calling all the shots on this thing. Hopefully enough people become aware of the taxable income issue that it gets altered in the future, but for now, almost nobody is even aware of the threat.
God bless you for this information. Its shameful for these schools to prey on the impoverished who are only trying to achieve a better life. Good luck with everything and please come back to let me know how it goes for you! Google their name for their contact info, and good luck! Did you ever contact the student loan ombudsman group and if so, what did they say? I have to admit, I am very skeptical about all of this due to the scams you referred to in your article but I have got to do something.
I started researching schools in I Narrowed it down to 3. I was contacted by enrollment counselors from all 3 and UOP sold me the best stats and even promised they would provide job placement in my own area.
So naturally, I was sold. When I finished my associates degree I asked my academic counselor about job placement and all she did was email me links to different job search sites. After several months I found a job on my own, not in my degree field and continued with UOP for my bachelors degree. I was one semester away from finishing and my financial counselor conveniently overlooked an important document that I was supposed to sign electronically. He sent it to me and said he got me a 10 day grace period.
This document was supposed to lock in my tuition rate. I signed it immediately and sent it back. This resulted in my tuition almost tripling. I immediately left UOP and began looking for schools that I could transfer to.
Unfortunately, because of the wording used in UOP class descriptions, only 12 of my 88 credits were transferable. Because of this, I never finished my degree. Wow — this sounds like something I would want to have an attorney review. My advice to you is to contact the Student Loan Ombudsman Group, which is a Government-backed group of Attorneys who offer free legal advice on student loan-related issues.
Also — remember that all sorts of other things can make you eligible as well, like if UOP promised you job placement, or a salary level, or a specific job title. I went to UOP from I need to know what I need to do to make sure I am covered in this because I can not afford to pay what they are asking and I have 3 children to feed and bills that take up my income. Any advice would be greatly appreciated, I also moved back to my home town so I dont know if I need to call the school to update my address or if I need to talk to someone else about that in a different department.
I honestly feel like this school needs to just forgive every loan they have done and shut down because they were terrible when it came to helping with finances and handling teachers who weren't doing their jobs right. They lied to every student when they said our credits would be accepted at other schools as well, because other school barely accept them, and do not even see UOP as a school.
Had I known what I know now I would have made different decisions when going to school but now I'm scared that even when I do finish my Masters program and decide to start my Doctorate program that I will have no credibility in my field because of this.
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Get Email Updates. Federal Trade Commission Consumer Information. Search form Search. FTC settlement against University of Phoenix. Share this page Facebook Twitter Linked-In. December 10, by Colleen Tressler.
Blog Topics:. Comments Alex December 10, reply. Tina January 7, reply. FTC Staff January 9, reply. Eve February 18, reply. Melody Ramos February 19, reply. Andrea1 June 7, reply. I haven't heard anything either and I attended during that time frame. Sully July 8, reply. FTC Staff July 8, reply. Kathi July 24, reply. CindyGirl August 5, reply.
Connie H. August 11, reply. JohnC February 21, reply. FTC Staff February 21, reply. Vr February 27, reply. FTC Staff March 25, reply. RenoRob April 24, reply. Notmyemailadress July 23, reply.
Markwastedtimeonouop May 1, reply. Brandi B June 30, reply. Sutton1 March 30, reply. ED June 17, reply. Stan Smith January 31, reply. Did you ever get your uOP resolved. I never was contacted either and feel I should have been.
Kim C February 28, reply. Although the University of Phoenix agreed to pay the settlement, a press release from the school following the case stated that officials with the university continue to believe that the school acted appropriately and did not make false claims. Additionally, the University of Phoenix settlement will not affect private or federal student loans held by University of Phoenix students, who may be required to continue paying off an education they chose based on misrepresentation.
The Federal Trade Commission sets and enforces regulations for truth in advertising and product claims. According to the FTC, advertising on the radio, television, internet, or in print must be accurate and truthful. If a company makes a claim about their product, they must be able to back up that claim and prove that it is true.
Companies are not allowed to lie to consumers or deceive them about the effectiveness of their product or service. When the FTC discovers cases of misrepresentation or fraud , the commission may file a federal action to stop the misrepresentation, freeze the assets of the company or entity responsible for the deceptive advertising, and recover compensation for potential victims harmed by the misrepresentation.
In order for the FTC to intervene, cases of fraud or misrepresentation must be found to be likely to cause substantial injury to consumers and must not be outweighed by other benefits. The FTC also governs claims regarding where a product was made, or the materials of which it was made. While the FTC often focuses on deceptive advertising about food, over the counter medications, dietary supplements, alcohol, and tobacco, it may enforce regulations pertaining to advertising claims for any product or service.
Other FTC truth in advertising lawsuits have been filed against dietary supplement retailers or manufacturers who failed to include accurate lists of ingredients on their supplement labels, CBD sellers who misrepresented the amount of CBD in their products , and dating sites that falsely claimed to users that they had matches waiting for them that they could talk to if they signed up for a paid subscription.
For-profit colleges and universities are increasingly coming under fire for potentially using misleading or false advertising tactics to get students in the door. The University of Phoenix settlement is just one case of for-profit institutions facing elevated scrutiny in recent years. In many instances, for-profit universities provide poor outcomes for students , from low graduation rates to limited career opportunities, Forbes explains.
Despite these poor outcomes, the schools reportedly benefit from public funding. Many students take out extensive loans to pay for their educations. To make matters worse, Forbes explains that for-profit colleges and universities often prey on vulnerable prospective students. Forbes suggests that for-profit institutions may use aggressive or even false marketing tactics to convince students to attend — and take out extensive loans to do so.
Though for-profit institutions often present themselves to non-traditional students as a way to get an education while pursuing full-time work, the risks may outweigh the benefits, says Forbes. Students who believed they would be offered a job due to implied relationships between the university and prestigious companies, who did not find a job in their field after graduating may be eligible to join.
Filing a lawsuit can be a daunting prospect, so Top Class Actions has laid the groundwork for you by connecting you with an experienced attorney.
Speaking with a qualified attorney may be the first step towards determining whether you have a case and are eligible to pursue compensation for these false claims. Get a Free Case Evaluation. This article is not legal advice. It is presented for informational purposes only.
Top Class Actions Legal Statement. Please note: Top Class Actions is not a settlement administrator or law firm. Top Class Actions is a legal news source that reports on class action lawsuits, class action settlements, drug injury lawsuits and product liability lawsuits. Top Class Actions does not process claims and we cannot advise you on the status of any class action settlement claim.
You must contact the settlement administrator or your attorney for any updates regarding your claim status, claim form or questions about when payments are expected to be mailed out. Our education system needs help. I want to where is the help for 27, debt I have through great lakes for university of Phoenix that I am stuck with a degree that is useless.
Where is our help? What about those that paid for their education out of pocket, without student loans? Are we just SOL? I live in TX. I was enrolled between and I graduated with my bachwlors in and still do not havea job in my field i was promised help looking for a job and was given false direction and information when signing up. Please help!! Though I have heard nothing about my debt forgiveness.
I was a student I graduated in I never got a job in the field. All I got was federal loan debt. Is there any help? I also attended the school prior to I not only ended up with ridiculous loans and no employment, the charged me and sent me into default and collections AND held my transcripts which were useless, until I paid.
Can I get help???? I attended university of Phoenix online graduate with the expectations that they would find me a job in my field. I totally understand how ALL of my Alumnis feel…. I graduated with the same promises with no results!! What about federal loans taken out by student in Utah from ?
Is there anything for students who attended from to ? It was said we would be able to find employment with Verizon at the time I went for Information Technology — Programming and when contacted, Verizon was not aware of an agreement or any type of internship program.
I went to University of Phoenix from Is there anything that can be done for debt I incurred? Student loan cancellation for all students affected, for all enrollment dates, and not just a specific time period. And also for all students whether they graduated or not. The University of Phoenix is a criminal, a diploma mill, their degrees do not lead to job placements! Nothing but lies there! I agree!!!! I have the same issue as a single parent and going for a masters in secondary education and in business.
All of a sudden they change the degree plan and offer a second chance to get another degree. Trying to support my children. They said with a masters degree you could even be hired to teach at their school. And as far as their credits transferring to another school… good luck because that was not successful either.
I graduated literally in This practice of deception was going on for a long time!!!!! Your email address will not be published. Read More. Follow Article. By Joanna Szabo May 27, Sign up for our free newsletter. This field is for validation purposes and should be left unchanged. Chanta Ringo September 16, Brenda Hernandez September 13, Cannda Wilbanks September 8, Elizabeth Catherine Danielle Herbert July 15, Kristen L Gardner July 15, Mona Alfieri July 9, Joyce Davis July 9, Bernita Miller July 5, LaShawn M Jones June 16, Esther Edwards June 8, H C June 8, Allen May 14, Hollie Strack May 12, Colleen Strange April 24, Sandeep Trisal April 18, LaShunda V Lewis April 14,
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