Our Process - Legal Touch Borrower Defense (Updated 2025 Edition)

1. Introduction

Student loan debt can be a heavy burden, especially if your school engaged in fraudulent practices. The Borrower Defense to Repayment program allows students who were misled by their schools to seek full cancellation of their federal student loans. This guide provides a comprehensive walkthrough of the process, the documentation needed, how to respond to school objections, and why using a professional service dramatically increases your chance of success.

2. What Is a Borrower Defense to Repayment Claim?

Borrower Defense to Repayment is a federal loan forgiveness program that allows borrowers to discharge Direct Loans if their school engaged in fraud, misrepresentation, or violations of state or federal law. Common grounds include false job placement claims, inflated program costs, credit transferability misrepresentations, or deceptive marketing.

3. Preparing to Submit Your Borrower Defense Claim

Thorough preparation is critical. Each application must present both your personal experience and connect it to broader patterns of school misconduct.

3.1 Gather Relevant Documents

• Loan agreements and statements
• Enrollment agreements
• School catalogs and promotional materials
• Emails, texts, or letters from school staff
• Payment records and transcripts

3.2 Identify Misrepresentation or Fraud

Write down what you were told about your program and compare it to what actually occurred. Focus on:

• Job placement claims
• Licensure or accreditation promises
• Cost vs. value of the program
• Credit transferability

4. The Borrower Defense Claim Submission Process

4.1 Access the Borrower Defense Application

Go to the Federal Student Aid (FSA) website. Log into your account to begin your application.

4.2 Complete the Application

4.3 Submission and Confirmation

5. Handling School Objections to Your Claim

5.1 The School's Right to Object

Schools are notified of your claim and may respond with evidence challenging your allegations.

5.2 Responding to School Objections

Your best chance at success is to respond with well-documented rebuttals. This is where a legal team is highly beneficial.

6. Why Use a Professional Service for Your Claim

While filing on your own is possible, most borrowers lack the legal training, access to regulatory archives, and understanding of systemic misconduct needed to build a strong case.

6.1 Investigating Predatory Schools

Our team uncovers lawsuits, settlements, and whistleblower reports tied to your school. We verify past legal actions and align them with your timeline and claims.

6.2 Building Legally Sound Evidence

We create legally persuasive applications based on Department of Education standards, FTC rulings, and regulatory history. If you do not have detailed records, we locate catalogs, archived tuition data, and state-level violations.

6.3 Maximizing Claim Strength and Approval Odds

We vet all claims before accepting them. If we do not believe you qualify, we will tell you. If we do accept your case, you qualify for our discharge guarantee: If we cannot secure forgiveness, you receive a full refund.

7. What Happens After You Win Your Borrower Defense Claim?

7.1 Loan Forgiveness

Approved claims result in a full discharge of your federal student loans tied to the school in question.

7.2 Refunds and Financial Relief

In many cases, borrowers receive refunds for payments made after graduation or during enrollment.

7.3 Potential Tax Implications

While forgiven loans are currently tax-free through 2025, always consult a tax advisor for the latest IRS guidance.

8. Conclusion

Submitting a successful Borrower Defense to Repayment claim requires more than filling out a form. It requires evidence, legal context, and persistence. With Legal Touch, you gain access to legal researchers, data analysts, and specialists who ensure your claim is not just submitted, but built to win.

To schedule a free consultation, visit www.DefenseClaims.com or call 800-261-2WIN (2946).