How to apply for student debt discharge

Borrower defense allows federal Direct Loan borrowers to seek full discharge of their student debt if their school engaged in misrepresentation or misconduct linked to their enrollment decision. Approval depends on providing evidence such as enrollment agreements, communications, or promotional materials showing misleading claims, along with demonstrating how these influenced borrowing. While approval may cancel some or all of the debt, it does not guarantee complete relief, and applicants must adhere to filing deadlines and provide solid documentation to strengthen their case.

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