More than 200,000 borrowers are now eligible for student debt relief

  • The Education Department approved a $6 billion settlement to cancel the debts of 200,000 borrowers.
  • Borrowers will get full discharge of their loans, refund and credit repair.
  • Cancellation decisions of an additional 60,000 borrowers will be reviewed individually.

On June 23, the Department of Education approved the cancellation of student loan debt for nearly 200,000 borrowers, eliminating about $6 billion of total debt. More than 60,000 additional borrowers may see their debt cancelled. Almost all of the schools involved are for-profit colleges or vocational programs.

The settlement stems from a 2019 class action lawsuit, Sweet vs Cardonawhich argued that many of the borrower’s defense claims to cancel the loan were ignored by the Department of Education.

A Borrower’s Loan Defense, often referred to as a Borrower’s Defense for short, is a program of the federal government that allows you to forgive some or all of your student debt if your school defrauded you or violated certain state laws, such as consumer protection laws. You must prove that you have suffered certain financial harm as a result, such as being unemployed as a result of your program.

How do you know if you qualify

You don’t need to do anything to join the Sweet v. class action suit. Cardona. You are a member if you file a borrower’s defense application on or before June 22, 2022, and do not receive a decision, or receive a form refusal on or after December 2019. There is no cost to be part of a class action lawsuit, and borrowers from any school listed qualify.

The class consists of 264,000 people with a pending borrowing defense application as of June 22, 2022 (the date of signing the agreement). About 200,000 are enrolled in one of the more than 150 schools listed below and will receive full forgiveness of their loans, a refund, and a credit repair. The Ministry of Education found significant indicators of misconduct by these schools and noted a large number of borrowers applying to defend these schools.

The other 64,000 in the class attended schools not included in the list below. They will receive individual decisions on borrower defense applications during rolling deadlines, depending on how long their applications have been pending.

Timeline for Decisions in Sweet v. Cardona

If you are a borrower and your school is not on the list, you may have to wait for a forgiveness decision.

How do you apply to defend a borrower?

To file a defense application for the borrower, you will need your Federal Student ID, name of the school and program of study, dates of enrollment, and evidence to support why you believe you qualify to defend the borrower. You can apply online or by filling out a PDF and sending it via email or post. The application process will take approximately 30 minutes.

For more information about the status of your application, you may call the Department of Education’s Borrower Advocacy Hotline at 1-855-279-6207. You can talk to someone Monday through Friday from 8 a.m. to 8 p.m. ET.

There is a limited pool of eligible borrowers to advocate for the borrower, but it doesn’t hurt to apply and see if you qualify if you think your school cheated on you.

What are the eligible schools?


ATI Vocational Training Center
ATI College
ATI Health College
ATI Technical Training Center
The Collins School of Graphic Design
Government Employment School
Allentown Business School
American Career College
american career institute
American College of Medical Professions
American Business College
Intercontinental University of America
American National University
American University in the Caribbean
Anamark College
college anthem
Anthem Institute
Argosy University
Arizona Summit School of Law
Ashford University


Powder College
Bakefield College
Berkeley College
Blue Cliff College
Branford Hall Career Institute
Briarcliff College
Brightwood Career Institute
Brightwood College
Brooks College
Brooks Institute
Brown College
Brown Institute
Brown Mackie College


California College of San Diego
California Culinary Academy
California School of Culinary Arts
Capella University
Career Point College
Carrington College
Functional Training Center
Chamberlain University
Charlotte School of Law
Chicago School of Professional Psychology
Collins College
Colorado Technical University
Concord Vocational College
Concord career institute
The Institute of Culinary and Hospitality of Chicago
Court Reports Institute
Court Reporting Institute of St. Louis


Daimar College
DeVry College of Technology
DeVry University
DeVry Institute of Technology
Dorsey College


Empire Beauty School
University of Everglades


Express train
Florida Vocational College
Coastal Florida School of Law
Florida Technical College
Fortis College
Fortis Institute


Gibbs College
Globe University
Grand Canyon University
Gwinnett College


Hallmark Institute of Photography
Hallmark University
Harrington College of Design
Harris Business School


ITT Technical Institute
Illinois Institute of the Arts
Independence University
health education institute
International Academy of Design and Technology
international technical institute


Kaplan Career Institute
Kaplan College
Katherine Gibbs School
Keizer University
Keeler Graduate School of Management
Kitchen Academy


La James College of Hairdressing
La Gems International College
Le Cordon Bleu
Le Cordon Bleu College of Culinary Arts
Le Cordon Bleu Culinary Arts Institute
Lehigh Valley College
Lincoln College of Technology
Lincoln Technical Institute


Marinello Beauty School
McCann School of Business and Technology
Mackintosh College
Medtech College
Miami International University of Art and Design
Miami Jacobs Vocational College
Small Employment Institute
Miller Mott Business School
Miller Mott College
Miller Mott Technical College
Minnesota Business School
Missouri Northern College of Aesthetics
Mount Washington College


NUC . University
National University College
New England College of Business and Finance
New England Institute of Art


Orlando Culinary Academy


Pennsylvania Culinary Institute
career institute of pittsburgh
International University of Bordeaux


Radian College
Remington College
Robert Fiance Beauty Schools
Robert Fiance Institute of Hair Design
Robert Fiance Institute of Florida
Rus University Faculty of Medicine
Faculty of Veterinary Medicine of the University of Russia


Salter College
Sanford Brown College
Sanford Brown Institute
College of Computer Technology
scottsdale culinary institute
University of the South
Southern California School of Culinary Arts
Southern Technical College
Star Career Academy
Stevens Henger
suburban technical school
Sullivan and Cogliano training centers


Texas Culinary Academy
Art Institute
College of Tucson


Ultrasound Diagnostic Schools
united education institute
University of Phoenix
University of the Rockies


Vatrout College
Virginia College


Walden University
Washington College of Business
Western Culinary Institute
Western International University
Western School of Health and Business Professions
Western State University School of Law
Westwood College
Wilfried Academy
Wilfrid Academy of Beauty Culture
Wilfrid Academy of Hair and Beauty Culture
Wright College of Business
Wright Vocational College