Borrower Defense Story 3: Modern Indentured Servitude (Feral Woman)

[Editor's note:  This is the third story in our series on the social and philosophical dimensions of Borrower Defense to Repayment. We hope that by sharing these stories, more people will understand why Borrower Defense is morally essential.] 

I went to school so I could lift myself out of poverty. I went and learned a trade in healthcare that I was told would have an income that would be more than enough to pay my loans. I vetted current providers in the field and learned what would be needed to be successful. 

The school made a lot of promises, but they misrepresented information and, in some cases, completely lied about our profession and our income ability. My profession at the time was averaging 25k-35k/yr in income. They told us it was 100k-125k in order to justify taking out 100k to pay for the education. 

I lived simply and thought that as long as I made 100k I could easily pay my loans back within two years. No student loan should take more than 3 years to pay back, and I had a plan to do it in two.

 
I graduated in the height of the second financial crash of my lifetime - 2007/2008. Turns out there were no jobs available prior to this crash and certainly wasn't during the crash. Opening a practice was impossible and due to illness of both myself and my partner at the time, we were in deep poverty with only a roof over our head due to family. I was able to secure a part-time job at a grocery store. During this time, I also found out that my 4 year medical degree meant nothing outside of the field I was in - also another lie from the school. I couldn't transition to any other medical profession without starting over.

I made 12- 20k a year for several years in unrelated fields, meanwhile catastrophic interest was building. Congress had also passed a law to block bankruptcy and to add capitalized interest to student loans in 2005 - which is considered predatory lending in almost all types of lending, especially for large loans. My interest rate was averaging 8%. As a former business analyst, I knew this was going to have catastrophic impacts.

Since that time, I have tried to pass a student loan bill for the last 17 years that would solve this for 95% of borrowers from the past, current and future. 

I borrowed 108k, paid 85k and I owe close to 260k for this specific degree. I have tried leaving the profession for the last 15 years but have been stuck because of the loans and no one wanting to hire me outside of my profession. I've had a few part-time jobs, but those have also dried up.

I filed for Borrowers Defense, but don't have high hopes that this will be approved under this administration, despite my school being closed down. My education has been a lifetime sentence of indentured servitude. I've been in crisis since I graduated and have never known a moment of peace. I had started to feel some hope in 2019, but lost everything and more in the pandemic and have now declared bankruptcy and will attempt an "adversarial proceeding" to get relief from my student loans as well. It will cost between 6-12k to file for adversarial proceedings with no guarantee I'll win.

I also recently found out that my IBR should have been approved in Jan 2025 for full cancellation, but instead the administration INCREASED the number of years of repayment another 12 years.

If it weren't for my son, I would have fled this country 18 years ago and started over. As it is, I'm preparing to leave because of the fear of debtors' prisons for people like me. I absolutely can not afford any additional payment to my student loans. Despite hard work to change careers and well over 3k applications in the last 4 years, not including prior to that, I keep being told my education and credentials are not enough, even in the field I'm in.

This insanity is easy to fix. Yet, neither Democrats nor Republicans have been willing to pass basic laws to restore (yes restore) sanity to education and student loans.

Borrower Defense Story 2: Anxiety & Interest (KH)

[Editor's note: This is the second story in a series about student loan debt and the moral necessity of Borrower Defense to Repayment. The first post is here.] 

My name is KH and I'm from Florida. My student debt crisis is very personal. I attended Kaplan University Online in 2008 while on bed rest after an accident. My family and I were extremely poor and so the idea of a college education to support my growing family was something that was appealing to me. 

My boyfriend at the time was in the agricultural field and only worked 4 or 5 months out of the year. We were so poor that even unmarried with a child he qualified to be on my SNAP and Medicaid applications. 

Once I made the call to Kaplan I was told that a degree would take us out of poverty, and we could live happily ever after. I was promised job placement and training for my future job. None of these things happened. I signed documents that indicated I was low income which allowed Kaplan to request more funding from FAFSA. 

Then the housing market crash of 2008 happened, and I switched majors to clinical psychology (I was told I would be in the therapeutic field once complete). In 2010 I had a phone call that made me look up the difference between FOR profit and nonprofit schools. Realizing I made a mistake, I switched schools to Lynn University which is a private (expensive) nonprofit. They were the only school that would take all of my credits from Kaplan. 

Fast forward to today, I am currently waiting to attend Southeastern Oklahoma State University to complete a Master's degree in School Counseling. 

I have received two different notifications from Mohela, my student loan servicer. The first indicates that I'm in-school deferment but it ends two weeks after I start class. Then my payment plans. There are two plans, one is for 700.00+ dollars and the other for 800.00+ dollars. One of my paychecks is 1700.00. There is no way I can survive with 1/2 my pay. 

I'm in the Borrower's Defense program because of the mismanagement by Kaplan. I also currently have multiple documents with multiple dates for repayment. There is no correct document that indicates what, when, or how I'm supposed to navigate this. Let me also state, the compounding interest is what makes this incredibly hard. I will be paying over 350,000 dollars from 120,000 in loans. 

This is criminal. Period.

Borrower Defense Story 1: I Did Everything Right. And I’m Still Paying for a Degree I Never Got (Chamberlain School of Nursing- Single Mom)

In 2010, I was a mom-to-be with one child already at home and a marriage quietly unraveling. I knew I had to secure a future for my children and myself. So, while pregnant with my second child, I made the leap and enrolled in nursing school. I borrowed around $30,000 in federal student loans to earn my associate degree in nursing, graduated, passed my boards, and began working immediately. For a while, things felt like they were on track.

By 2016, I was encouraged to advance my education and pursue my BSN. That’s when I heard about Chamberlain University. It sounded like the perfect fit — I was told I could finish in as little as six months, that I’d only pay one semester at a time, and that there would be no out-of-pocket costs. The admissions team made it sound like a streamlined path forward. It wasn’t.

Eighteen months later, I was nowhere near graduation, and my debt had ballooned by another $45,000, bringing my total student loan balance to $75,000 — and I still didn’t have a degree. Every time I asked how close I was to finishing, I was told “just another semester or two.” The promises felt endless, vague, and increasingly disheartening.

What’s worse: before I even began the program, I had emailed asking about credentialing in my state and clinical eligibility. The response I got was delayed and full of mixed messages. One advisor assured me they were “working through compliance,” but I was never given a definitive answer. That means I was never sure the clinicals I would complete — or the degree itself — would even be recognized by my state’s Board of Nursing. That ambiguity is one of many red flags I flagged in my Borrower Defense application.

By 2018, I had enough. I was exhausted by the emotional and financial toll and withdrew from the program just a few classes short of completing my BSN.

Since then, I’ve been steadily working as a nurse, raising my kids, and doing what so many borrowers do — making monthly payments while watching the interest grow faster than I could keep up. I never missed payments. I never defaulted. But it still didn’t feel like progress.

Then this year, I finally decided to buy a home — something I never thought possible as a single mom buried in debt. I was approved and in the final stages of closing. But when my lender pulled an updated credit report, a new collection for $1,115 had mysteriously appeared. It was from Chamberlain.

This debt had never shown up before. It wasn’t on my May report, but suddenly it showed up in June — just two months before it was scheduled to fall off my credit report entirely (August, 2025). With that, my mortgage approval was revoked.

I had the option to pay it off. But honestly? I couldn’t stomach paying another cent to a school that left me with no degree, unclear clinical credentials, and a mountain of debt. So I let the home go.

In the meantime, I’ve discovered resources I wish I’d known about years ago. I submitted an application for Public Service Loan Forgiveness (PSLF) — something I assumed I wasn’t eligible for because I was on a standard repayment plan. But I’ve now been told I have 144 qualifying payments on my original loans and around 70 qualifying months on the second set tied to Chamberlain. I'm now working on certifying my employment to formalize that progress. One where I have had 10, yes 10 failed submissions due to silly clerical errors.

I also submitted a Borrower Defense to Repayment application — twice. The first time, I felt unsure. The second time, I attached emails and evidence showing the misleading guidance, false promises about timelines and costs, and unclear accreditation issues. I now believe my application is materially complete, without any assurances or timeline. Promises from others shared experiences that this process will in fact take me years if not decades. With no legal representation, or protections like the earlier class action members. Feeling alone, and kind of like a loser. I just wish I had known about it sooner.

I know my case might be denied. I know this might take months — or years- or decades. But I’m not giving up. Because this isn’t just my story. It’s the story of so many of us who tried to do everything right… and are still paying for it.