Erased by Fraud: How to Cancel Your Student Loans with False Certification Discharge

Did Your School Lie to Get You a Loan?

Imagine trusting a school with your future, only to discover they falsified your application, forged your signature, or enrolled you in a program you legally couldn’t work in. If this sounds familiar, you may qualify for a 100% False Certification Discharge—a Federal Loan Forgiveness Program designed for exactly these kinds of fraud.

And here's the kicker: many borrowers never realize they're eligible.

What Is False Certification Discharge?

False Certification Discharge allows federal student loan borrowers to eliminate their debt if the school fraudulently certified their eligibility. This includes:

• Forged signatures on loan documents
• Enrollment without a valid high school diploma or equivalent
• Training for a job you couldn’t legally perform due to a criminal record, disability, or lack of required licensing

If any of this applies, you could cancel your loans entirely—plus reclaim payments already made.

Who Qualifies?

You're eligible if your school:

• Enrolled you without your knowledge (e.g., forged loan applications)
• Certified you for a job you were legally barred from doing
• Approved you for federal loans when you lacked a valid diploma or GED
• Falsified income, credentials, or eligibility info to secure your aid

🕒 Timeline: Discharge applications are accepted for current or past loans. There’s no hard deadline, but the sooner you act, the stronger your case.

Real Case Example

Jasmine, FL (2024): Enrolled in a medical assistant program, Jasmine discovered she was ineligible to become certified due to a prior conviction. The school never asked. She applied for False Certification and had over $23,000 in loans wiped out within months.

The Schools That Trigger Claims

Many claims arise from for-profit or now-closed institutions. These include:

• ITT Technical Institute
• DeVry University
• University of Phoenix
• Westwood College
• Marinello Schools of Beauty
• Sanford-Brown and more

How to Apply for False Certification Discharge

1. Gather Evidence: School documents, communications, and anything showing fraud or ineligibility
2. Complete the Application: Use the official False Certification Discharge source (StudentAid.gov)
3. Submit to Loan Servicer: Along with your documentation
4. Follow Up: Decisions can take months—stay proactive

💡 Pro Tip: Applications with Attorney-Assisted Expert tend to process faster and more successfully.

Why This Matters Now

As of May 2025, wage garnishment and federal collections have resumed. Many borrowers are desperate for relief, and this program can provide full discharge with no repayment obligation.

But here’s the catch: Most borrowers don’t even know they qualify.

Check Your Eligibility Instantly

Not sure if your school broke the rules? We’ve helped thousands get clarity—and loan relief. It starts with one quick eligibility check.

👉 Check your eligibility now

Ready to cancel your student loans for good? Start your loan relief request today →

Frequently Asked Questions (FAQs)

What is federal student loan consolidation?

Federal loan consolidation combines multiple federal student loans into a single Direct Consolidation Loan.

How do I apply for federal loan consolidation?

You can apply online through the U.S. Department of Education’s StudentAid.gov website. The application is free and asks you to select which loans to include.

What are the benefits of loan consolidation?

Consolidation simplifies repayment by combining multiple loans into one payment and one interest rate.

Are there any drawbacks to consolidation?

Yes, there are trade-offs. Consolidating may cause you to lose benefits like borrower-specific interest rate discounts or original loan cancellation benefits.

Will consolidation affect my interest rate or loan benefits?

Your new interest rate will be the weighted average of your current loans, rounded up to the nearest one-eighth percent.

Can consolidation help me qualify for forgiveness programs like PSLF?

Yes. Consolidation can help make your loans eligible for programs like Public Service Loan Forgiveness (PSLF). For example, if you have FFEL or Perkins Loans and want PSLF, you must consolidate them into a Direct Consolidation Loan first.