Borrower Defense School List (2026): Search Schools

Document Preparation

We provide document preparation services for all of the student loan forgiveness programs making the process simple and stress free.

Get Out Of Default

If your taxes or wages are being garnished because your loans are in collections, we can prepare rehabilitation program documents that may get you out of default and into a more manageable payment plan.

Lower Payments

Do you qualify for lower payments? We’ll prepare the documents to get you enrolled into the income driven payment programs.

Public Service Programs

Are you a teacher? Do you work for the government or maybe a non-profit organization? Ask about the special loan forgiveness programs available to you.

Annual Certification

Some forgiveness programs require you to send documents to the DOE annually to remain in the program. Never miss another annual certification again.

Borrowers Defense

We substantially increase the chances for students to receive compensation from schools that had borrowers take out an unnecessary amount of high interest debt for a degree that is closed or useless in the work field.

Do I need to work in public service?

This is a common misconception about these programs. Though working in public service considerably shortens your term, working in the private sector does not disqualify you by any means at all. Please beware of your current lender falsely telling you that only Teachers, Military, or Non-profit Employees are the only individuals eligible for relief under Then William D. Ford Act.

What determines my eligibility?

Your eligibility is driven by several different factors.

Annual income.

Household size.

Amount of loan or loans.

School attended and year graduated.

Type of loan or loans ie. FFEL, Direct Subsidized, Parent Plus.

Status or loan or loans ie. Making Payments, Defaulted, Forbearance.

How do the programs work?

Results do vary, however these are the most common:

You receive a lowered monthly payment from what you are currently paying.

You receive a term, and at the end of your term all principal and interest is forgiven. For Example if your loan is 45,000 and your lowered monthly payment is 35.00 with a term of 240 consecutive payments; by the time you’ve reached the end of your term you’ve paid 8,400 on your loan and the remaining balance is forgiven.

Once enrolled all you will be doing is reporting your income once a year to the Federal Lender to maintain your lowered monthly payment. Thankfully the system for this is now fully automated with direct links to the IRS so it normally takes you only about five minutes do.

If your income increase your lower payment can slightly adjust as well. For example if you go from earning 30,000 to 35,000 annually your payments could increase by 10.00 to 25.00 dollars more per month. However your term will never increase.

Can I enroll in the program myself?

Yes you may enroll in the program yourself however it is very common for applicants to make mistakes while navigating the government websites for these types of enrollments. This could result in getting denied, your application expiring, or being placed in the wrong program which does not give you optimal results.

What if my lender offered to enroll me for free?

This is very common, and we strongly advise against this for it is a direct conflict of interest. Remember your lender is a private financial institution that has a contract with the Department Of Education to manage and oversee your loans. When It’s all said and done, their main function is to collect on your debt. We have encountered many individuals whom did this and found they were either placed in the wrong program or were not placed into a program at all. It is in your lender’s best interest to perform in a way that supports their bottom line, and it is in our best interest to get you maximum forgiveness for your loans.

What happens if I go back to school / can I go back to school?

As long as you enroll today, your loans will remain current and in good standing and you’ll be more than eligible to return to school and take out additional loans. The additional loans will also qualify to be added into your forgiveness program.

Let's Chat!

To help us best service your inquiry, we recommend that you first describe the issue you’re having before telling us what you want to achieve. You can email us at help@defenseclaims.com or call us at 800-261-2946 to make an appointment.

For job opportunities, please email us your resume. We’re always looking for new and exceptional talent to lead the firm into uncharted fields of practice.

Borrower Defense School List

Our Services

Document Preparation

Get Out Of Default

Lower Payments

Public Service Programs

Annual Certification

Borrowers Defense

Frequently Asked Questions

Let's Chat!

8605 Santa Monica Blvd #412560 West Hollywood, CA 90069

800-261-2946

800-261-2WIN