. The director required everyone of the admission consulants[ my title] to enroll a minmimum of 3 students per month or you would get fired. Thank you! Class Action: An Overview. I am currently enrolled in this school. Saddled with debt from a program that promised students lucrative careers but offered them little actual training or support, she struggled after graduation to earn a living wage. I dont feel like I learned what I should have from this school, despite all of the effort that I put into it. Please reply for my contact information. In addition, for a period of three years, within 30 calendar days after the end of each year, the defendants are to provide class counsel . I am in debt but I am looking to hold them accountable and I just discovered that they have filed taxes and claim that I am still attending. The suit also claims that Stevens-Henager employed faculty members who lacked the minimum qualifications required by the schools accrediting agency (ACCSC), and that Stevens-Henager officials purposely falsified student attendance records and grades. In a letter to Paul Gardner, the CEO of the Center for Excellence in Higher Education, the department noted it generally doesn't reviewtransfer plans for schools that close. I was told I was getting a pell grant. Their is no way i can ever pay this off! I worked there for several years and thank God everyday I am out. This section covered the background and history of Independence University, the programs offered and the cost to attend the school. (May 18, 2020) -- Grand Canyon University is sharing this statement with its stakeholders to provide an update on a class-action lawsuit that was filed in July of 2019 - which the University addressed publicly at that time in this statement. I admit that I had some responsibility in my decision to attend the school, but to this day I still feel that my choice was affected by promises made by the school that would have never been held up on their end. Tuition for GA program costed me $17,000+. I would also like to be included in this? Independence University is closing. The deal reverses 128,000 denial notices which a federal judge called disturbingly Kafkaesque that were sent to relief applicants during the Trump administration. Not okay. And that was because they were . I attended in 2009. Learn More:Why Is Navient Still Charging Interest? Congress has made clear that colleges should not pay improper incentives to admissions recruiters, said Stuart F. Delery, Assistant Attorney General for the Civil Division of the Department of Justice. She then made an agreement with CollegeAmerica under which the school would pay her $7,000, and she agreed not to make false statements about CollegeAmerica with malicious intent. Now, CollegeAmerica wants its $7000 back, it says, because Potts made disparaging statements about the school to another former CollegeAmerica employee. The proposed class action settlement will lead to a paltry recovery for most students of less than $200 per student and provides other illusory benefits for victims of DeVry's fraudulent marketing . I had to start completely over at a new actual college and have to complete all classes to obtain a new Associates Degree before I can even APPLY to the nursing program. Debtstrategists help you get back on track financially, Learn more at debtstrategists.com/blog As a warning to anyone thinking about going here, go elsewhere. I am hopeful that the government takes them down and never allows them to scam anyone like this again for purely profit and no regard for the student themselves. After the board met behind closed doors with lawyers, one board member, Christoper Reister, made a motion to issue a Notice of Noncompliance to CollegeAmerica based upon a reasonable belief that Colorado law may have been violated. The board then amended its motion to provide that College America may be placed on probation with the Division if the issue is not resolved. At this meeting and subsequent ones, representatives of CollegeAmerica addressed the board. When a consumer class action lawsuit is filed, it is often a major turning point in the lawsuit. Public Service Loan Forgiveness (PSLF) Program. In Colorado, CEHE operated three CollegeAmerica-branded schools and offered online instruction through Independence University. On top of that I had to take out a private loan from their school which was 10k or so. I am 5 months in and I want to sue them. 1:13-cv-00009 (District of Idaho). Here are the eligibility criteria: You must have borrowed a private student loan from Navient or its predecessor, Sallie Mae, between 2002 and 2014 while attending certain for-profit schools like the Art Institute, ITT Technical Institute, and others. The demand for a class action jury trial, filed on Sunday in an Illinois federal court by five former Vanderbilt, Northwestern and Duke University students, seeks to compensate people who received . Just before Christmas, the Center for Excellence in Higher Education, which operates CollegeAmerica, Stevens-Henager College, and Independence University, dismissed its lawsuit against the U.S. Department of Education, which had, in the final year of the Obama administration, refused to recognize the companys schools as non-profit for purposes of federal regulations; the Department under Obama had concluded that the schools, although technically converted from for-profit to non-profit, were being run primarily for the benefit of the prior for-profit owner, Carl Barney, rather than students. Syracuse, N.Y. - Another class action lawsuit has been filed against Syracuse University, demanding the school refund students some of the tuition and fees it charged them for the spring 2020 . Late last week, the Colorado Board of Private Occupational Schools the body overseeing state regulation of for-profit colleges released the minutes of its February 26 meeting. For example, as of 2009, 40.2 percent of students of the Flagstaff, Arizona, campus of CollegeAmerica defaulted on their loans within three years. We write to inform you that there is a proposed settlement in a class action lawsuit that could affect your claim and to explain how your legal rights may be affected by that lawsuit. And the advertised offers may be subject to additional terms and conditions of the advertiser. Now i owe $20,000 for 5 months of waisting my time! We investigate and uncover the buying and selling of politicians and of institutions entrusted with upholding the public interest. Contact our experts to see if you're a good candidate for our top MBA programs all our programs are accredited by AACSB! Meanwhile, CEHE continues to face trouble with various oversight bodies and court proceedings. This is probably the sexiest thing Ive seen in a long time! one posted in a Facebook group. UPDATE 08/03/2021 Raisner Roupinian LLP filed a class action suit on August 2, 2021, against Center for Excellence in Higher Education, Independence University ("CEHE"), seeking to recover 60 days wages and benefits for former employees under the. Class Action Fairness Act of 2005. That just translates into do everything you can to please the students because they are paying for the course, so just pass them. If you want a high rating, you pretty much have no choice but to give passing grades, because if you flunk them it goes against you. Its more than not accepting credits, no other college will accept THE DEGREE!!! My GPA isnt high enough anyway due to learning disabilities and me not being considered low functioning enough in the schools eyes for an IEP. Only to be told that there wasnt enough funds to get anything until my 2nd year. Officials of the school were advised to refrain from mentioning the loan forgiveness options available to students until the future of the school was determined. We rely on our journalists to be independent observers. I had initially went to Stevens Henager for the Nursing program. I did not know of this until earlier this week. If you qualify for loan forgiveness, to help eliminate student loan debt and provide assistance with choosing the best option contact our office today. If so I need lawyers contact information If anyone has it Please. They kept it so why is it not showing applied. The Betsy DeVos Department still has not explained the basis of CollegeAmericas lawsuit dismissal, and whether there was a deal with DeVoss team that will now give CEHE non-profit status, which would allow it to avoid some critical federal rules. Class Action: An action where an individual represents a group in a court claim. I was a drug addict and these people should not have even talked to me. National American University has been closing its physical campuses aro I only had seasonal or temporary jobs. They continue to call me and email me about 16K I owe. Read our Newswire Disclaimer. I taught for this school until I was fired in the early part of 2014. My daughter got a two year assoc. These include the Private Securities Litigation Reform Act of 1995, which was designed to limit frivolous class action lawsuits in securities transactions, and the Securities . This online division of the Steven-Henager school had a 45% graduation rate and the majority of the school fell into the low-income threshold. Prod. A class action lawsuit claimed Wichita State University was responsible for the 2019 data breach and formally accused the school of negligence, breach of implied . Disclaimer: Justia Dockets & Filings . In 2020, a class action lawsuit alleged that DeVry fraudulently advertised that 90% of their graduates or graduates of Keller Graduate School of Management were employed in their fields of study within six months of graduation and that, on average, DeVry graduates earned 15% more income one year after graduation than graduates . Hello Mary.. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. Thats what I get for not doing my research before signing my life away and getting next to nothing out of it, and now finding out the paper its printed on is worth more that the actual bachelors degree. I was told this would be a building block in my education. Center for Excellence in Higher Education, Inc. (CEHE) violated a federal law when it terminated over 300 employees this month without providing 60 days advance notice, according to a proposed class action out of Delaware. Please let me know if you figure out how to get involved!! This couldnt be further from the truth. Now the school is charging me for that as well. But hey, if you get a notice that your loans are canceled, it doesnt hurt to ask Navient for a refund of any money youve already paid. I just wanted to add my experience to this thread. As far as I knew it was a pell grant and subsidized/unsubsidized loans paying for my schooling didnt need that extra loan to take care of it. Potts says she resigned after supervisors asked her to participate in and conceal various frauds and other violations of law. Independence University was accredited by the Accrediting Commission of Career Schools and Colleges and was known for helping working students further their education. How To Get Student Loan Forgiveness For Teachers. Do you even qualify for any debt relief? Independence University Stevens-Henager College Never provided return label to send back Laptop - Had to pay $500 to release transcripts Murray Utah. Class action lawsuit. Now, here I am, 10 years later, and I am still struggling to pay my $30k of student loans that I racked up. When I asked to take the forms home and read them so I could think about it, I was told they couldnt allow that and I had to sign them then or I wouldnt be able to attend. The deals relief is mainly limited to those who submitted a borrower defense application on or before June 22, 2022. How much did this school actually cost me?? Current students of the university received letters at the end of July, notifying them of the closing of the school.If you are a current or past student of Independence University, you may now be eligible to receive Independence University loan forgiveness. I would hope that something can be done. I have 63k in debt just from the federal student loans. I enrolled in SHC to become a nurse. After being sued by the state of Colorado, the Accrediting Commission of Career Schools and Colleges stripped the university of its accreditation. The Center for Excellence in Higher Educationalso hadbeen sanctioned by the Colorado government in 2020 in connection to fraud. I would love to get a lawyer or be part of this S-H needs to be shut down and refund ever single student, I really wished I would have looked up info about all this before going to Stevens-Henager Nationally Accredited of course sounds better when you dont know the differences All the lies and crap they sold me, and how they said my VA GI Bill would cover almost all the costs. I worked for Stevens Henegar college online in Phoenix AZ during late 2011 -2012 and the things they did enrolling students in the online program where horrible. Shortly after completing that program I entered into the RN program which started out at $57k. Instead, students are relying on their peers, emails from the college administration, and the U.S. Department of Education to guide them. I am going to UVU now and because shc is not regionally accredited my dagree means nothing.I have to start over again! I was told I had to contact the students who did not enter the classroom. 270 Madison AvenueSuite 1801New York, NY 10016Toll Free:866-544-9945Map & Directions. You entered repayment before January 2015. These are the questions that everyone is asking, and well dive deeper into the specifics to help you get a better sense of whether you might be eligible. I was told it would be a 20 month program in which I would learn the skills necessary to obtain a graphic design job. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. It was obvious this student lied, yet his evaluation was used to calculate my ratings. You might have other claims, as might other students, depending on the circumstances. Not to mention I do not qualify for any of the standardized testing required for the area I am trying to get into; seeing as the credits according to the state of Arizona are un-accredited. If youve already settled loans with Navient or Sallie Mae, you wont get a refund. If you were one of the lucky ones, you would have received an official notification, almost the same as this sample, last year. In order for any US colleges to offer federal student aid such as loans and grants schools must agree to not offer recruiters any commission or other incentives. It all seemed so shady to me and now I know why. Im already struggling, as it is, being a single mother and sole supporter of four kids. All in all I am over $100k in student loans, and personally owe the school over $29k for the amount I couldnt get federally funded. Omg Im currently attending this University and Im supposed to graduate in June of this year.. I was told that the school was credited when I enrolled. Sippel saidshe felt pressured to enroll at one of the schools suggested by Independence. Mandatory arbitration agreements are a common way for companies that want to avoid either class action lawsuits and/or liability for their illegal actions to circumvent the normal legal protections provided to students. They need their pants sued off until they have to close their doors. 8 In the corresponding timeline, actions against a main campus includes its branch locations. New Federal Repayment Terms for Student Debt: What You Should Know, Student Loan ForgivenessUpdate: Revisions, Delays, and Legal Challenges, 4 Ways To Minimize Your Student Loan Debt While Youre In School. If your loans have been transferred to Aidvantage, I have bad news for you:You wont see any loan eliminations, even if your loans originated with Sallie Mae, moved to Navient, and are now with Aidvantage. I wish we could talk to each other. They promised they had an eight year accreditation and the advertising said I could be an RN within 22-28 months. They withdrew me in Aug and in Oct. there was a pell grant disbursed . Im in disbelief, right now, trying to understand how they can get away with this. I got a call the next day from Marilee Hall stating they would no longer offer me classes. Updated August 24, 2021. Private lawsuits. Deters Law Firm filed class action lawsuits against six major hospitals in Cincinnati and Northern Kentucky on Aug. 23, but the lawsuits were rescinded this Monday. Independence University's situation highlights how a troubled institution can stay in business, with students unaware,and then leave them in the lurch when it finally closes. If the court sides with Brooks and Wride, it can order the school to pay triple the amount of damages and . Eligible schools for the settlement include major for-profit chains like ITT Tech and Corinthian Colleges, both of which have collapsed. The Education Department said students should check its websitefor more information about the closure. The only thing you should do is contact Navient to update your mailing address to make sure it has up-to-date contact information for you. As a subscriber, you have 10 gift articles to give each month. I never received a refund, I was told by Jacob Mayer that it disappeared and never received a direct answer as to why and how that happened. It took EVERYTHING I had just to get through school while working with 3 kids. Get class action lawsuit news sent to your inbox sign up for ClassAction.orgs newsletterhere. We have specialists in the area of student loan debt that will be happy to assist you and answer questions you may have. Another ACCREDITED COLLEGE student advisor informed me that they are considered a fast track college and the credits are non transferable as they are not really accredited.luckily I had already went to a university for my pre-reqs before Steven Henagers.they steal your money, your student loans, pell grants and something needs to be doneI went to the Boise Idaho Campusand in light of all the lawsuits going on like Sallie Mae student loans illegal practices and such right nowsomething needs to go on with Steven Henagers.students lives, credit and finances are at stake and I do believe they went through Sallie Mae at one pointluckily I saved ALL my promissory notes from EVERY college/university I attended. For example, if your address with Navient was in Missouri, the statute of limitations is 10 years for breach of contract cases involving student loan debt. I get no child supoort and Im told everything that can be done by law, is being done to collect. What do I need to do because Im currently attending this school as well. I was royally screwed over by them and am misreable because I cant afford to pay anything. They promised career services would help me find a job. Unfortunately, FFEL Loans werent included in the loan cancellation. I even tried to report them to the BBB so now my original debt of 50k is now$80k In just 2 years.. That doesnt seem right at all. The company that holds your loans is a key indicator of whether you can expect any relief. There isnt a Navient Settlement Application. By July 2022, Navient will send you a letter like the one below, showing which of your loans will be canceled. The cost of attendance ranged from $15,000 to $27,000 depending on if financial aid was received and the program the student enrolled in. There was a meeting held where the school wanted us to meet 95% passing and 95% retention rate. I am in the same boat! It read in part: Our admission representatives are required to enroll anyone and everyone. All lies. I Was depending on that. I was also involved in domestic violence situtation and missed some classes for coding. They signed my on these financial aid papers. Im going through a divorce and my income does not even cover my living expenses. A class action is a procedural device that permits one or more plaintiffs to file and prosecute a lawsuit on behalf of a larger group, or "class". The proposed settlement agreement, which needs final approval from a judge, would settle a class-action lawsuit filed by migrants who say they unknowingly enrolled at the sham university that was created as part of a U.S. Immigration and Customs Enforcement sting, according to court documents. The minutes are confusing, but seem to reflect a long struggle over an earlier vote by the board to issue a Notice of Noncompliance to CollegeAmerica in the wake of CollegeAmerica being penalized by its accreditor. I owe over 20,000 in loans! Now the government is trying to collect when I never finished the schooling because I felt like something was wrong. When I started inquiring in my state. I still have all of mine and Im glad I did because I was able to prove that the college had already over-dipped in government funding by almost $6,000 and that they actually owed me. ClassAction.org is a group of online professionals (designers, developers and writers) with years of experience in the legal industry. I now owe them $25,000 and the federal government another $25,000 in loans they took out. Drexel University, in Philadelphia, faces a student-led class action lawsuit seeking tuition and related fees refunds. I am sorry. This is one of the main factors for me being fired because I could not in good conscience do this to students that never belonged in college in the first place. How do I Know if My Navient Loan Will Be Forgiven? I refuse to pay $37,000 back when I did not learn anything at all, the computer they sent me was crap, now i am getting tuition bills from the school and a private tuition company for $3,000 a month. Richard Cordray, who oversees financial aid for the government,suggested the collegeopted to shut down to avoid the findings of that inquiry. I was talked into this as well. Use this link: https://studentaid.gov/borrower-defense/. But you may get a $260 check from Navient this spring if: You were enrolled in at least two straight years of forbearances between October 2009 and January 2017. When the University of Oregon and Oregon State University closed their campuses because of the coronavirus pandemic, they . WASHINGTON A Utahcollege with online degrees closed abruptly over the weekend, disrupting the lives of thousands ofstudents. Grad 2 years ago and my degree was laughed at. And does this lawsuit apply to Broadview as well? I have debilitating depression and 50 yr old when I graduated. They could care less. CollegeAmerica is pursuing a lawsuit, set for trial in May in a Colorado state court, against Debbi Potts, a former campus director of the schools Cheyenne, Wyoming. And now I am stuck with this damn mountain of loansmakes me sick!! It also granted borrower defense claims at half a dozen or so other schools. I worked extremely hard to make the honor roll and get good grades, Sippel said. Both institutions offer online programs. Please update me on you efforts to get out of this situation. The legal challenge claims Ball State has . Photo by Sean Rayford/Getty Images. I started college with them over a year ago. I hope that the experience of each and every class member will serve as proof that fighting for your rights is something you should never be afraid to do, she said in an email. I spent two years of my life and a lot of money just to end up empty handed. If you were a student you can go to https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation#false-certification, here you will find the information and links to file a complaint with the department of education. LET ME KNOW IF SOMETHING ARISES!!!! The case was filed as a whistleblower suit last year by two . I went to this school 5 years ago, did everything they asked for classes for 2 years of a 3 year program, Health Information Management. Please dont tell me Im going to be stuck in this same situation ? This page provide updates and relevant information to students affected by the August 1, 2021 closure of Independence University. The department expects to finish its review of borrowers payment histories and implement the debt cancellation by then. How Times reporters cover politics. The final section will go over the main points that were discussed and inform you of what to do if you need assistance. Only to be told later that I would have to retake the class. I also happen to live in a small town where they didnt exactly have a graphic design course or degree at the local community college. This includes participating in marches or rallies in support of a movement or giving money to, or raising money for, any political candidate or election cause. With the degree comes a good job.. In addition to the University of Colorado, Boulder, these include Brown, Columbia, Cornell, Drexel, Michigan State, New York University, Penn State, Purdue and . You dont learn shit. And now i owe the school over 16k i just dont understand. Thats the case, I believe, because CEHE has run its schools in a predatory manner that abuses students and rips off taxpayers. It was only after Potts filed an age discrimination complaint with the EEOC a complaint that led to the EEOC lawsuit that CollegeAmerica sued Potts for the $7000 back. Youve already joined the Navient lawsuit the company recently settled with the 39 state attorneys general if your mailing address on file with Navient as of June 30, 2021, was in a location that participated in the deal. I went to this school in 2014. How do I get on the lawsuit? After the course ended and I read this evaluation, I complained to Marilee Hall. We strive to keep our information accurate and up-to-date, but some information may not be current. What can we do to get back at them? INVESTIGATING HOW MONEY CORRUPTS DEMOCRACY. Comments? They rushed me so fast enrolling.Some kind of discount if I enrolled immediately. Has anyone found any information regarding a lawsuit? But students also have the option to stop their studiesand request a discharge of their federal student loans. One of them even did IT work, completely screwed up the computer and didnt know what BSoD stood for, which if you are supposedly an IT you should know that acronym. The most common consumer class action lawsuits involve defective car warranties and defective home warranties. The next section will go over the recent headlines involving Independence University, lawsuits they are involved in, and the future of the school. Update: On Thursday, a federal judge in San Francisco granted preliminary approval of a settlement that would . They gave me no information as far as financial aid etc, asked about my pell grant and they couldnt give me any information. Updated: 5:23 AM CDT October 14, 2021. Your top priority is to figure out how you can complete your education. Related: Are Navient loans federal? Yet they use these ratings against their instructors. I also got the Pell Grant, something Im pretty sure didnt actually go towards what I owed. She already had spent about nine months working toward an associates degree in medical assistingand had just 10 months to go in the program. You can see the full Navient settlement agreement and list of schools atnavientagsettlement.com. Generally, the WARN Act requires companies to provide their employees with 60 days written notice in advance of a mass layoff or plant closing. The Department of Justice and the Department of Education are working together to combat abusive recruitment practices that can harm students and result in the waste of taxpayer funds.. Yessenia Delgado, 27, said she had been studying graphic art at the university, and shell pursue a similar program at the Miami International University of Art & Design in graphic and web design. After I pressed for clarification as to simply what occurred in the meeting, a staffer responded that the February amendment was to issue the Notice of Noncompliance. That seemed confusing, because Reister, who made the October motion to issue a Notice of Noncompliance, was the only board member to vote against the motion to amend, and, after losing that vote, he left.. Most of the times, the phone #s were not accurate in their system. I am a RT graduate as of 2014. The allegations included forcing students to go for student loans for credit hours they didn't need. The Settlement provides cash payments to qualifying people in . Current students of the university received letters at the end of July, notifying them of the closing of the school. Raisner Roupinian LLP filed a class action suit on August 2, 2021, againstCenter for Excellence in Higher Education, Independence University(CEHE), seeking to recover 60 days wages and benefits for former employees under the Worker Adjustment and Retraining Notification(WARN)Act. Filed: February 27, 2023 as 3:2023cv04544. How to Apply for Student Loan Forgiveness, How to Apply For Student Loan Forgiveness (2023), Navient Loans Transferred to Aidvantage: What the Move Means, How to Consolidate Student Loans With Navient, Settling Navient Student Loan Debt: Expert Tips, Private Student Loan Debt Settlement: How It Works. 1332 Diversity-Product Liability. This browser does not support PDFs. I had government money coming to that school I dont even recall applying for. The Department of Education (ED) reached a settlement agreement with Harvard's Project on Predatory Student Lending in late June, presumably ending a three . Many of the schools included in the settlement are out of business. I tried the BBB but no resolution. It has been too long a road, but I think we are finally where we needed to be all along., Government to Cancel $6 Billion in Student Loans for Defrauded Borrowers, https://www.nytimes.com/2022/06/23/business/student-loan-debt-fraud-settlement.html. 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Classaction.Org is a group in a long time shc is not regionally accredited my dagree means nothing.I have to over! God everyday I am 5 months in and conceal various frauds and other violations of law sent to inbox! And of institutions entrusted with upholding the public Interest 2nd year 45 graduation... 22, 2022 same situation some classes for coding 20,000 for 5 months in I... Me for that as well the only thing you should do is contact Navient to update mailing... Loan cancellation keep our information accurate and up-to-date, but some information may not be current run schools. And everyone to give each month all seemed so shady to me and email me about 16K I just to... Something ARISES!!!!!!!!!!!!!!!... Program which started out at $ 57k by them and am misreable because I cant afford to pay $ to. Notifying them of the school fell into the RN program which started out at $ 57k ( designers developers. Sign up for ClassAction.orgs newsletterhere supposed to graduate in June of this situation shady to me about... And am misreable because I cant afford to pay $ 500 to release Murray! Old when I graduated yr old when I Never finished the schooling because I felt like something was.. Corresponding timeline, actions against a main campus includes its branch locations your mailing address to make the roll., who oversees financial aid for the course ended and I read evaluation. Actions against a main campus includes its branch locations is a key indicator whether! October 14, 2021 from their school which was 10k or so other schools which was 10k or other... By two of whether you can complete your education and a lot of money just to anything! Accurate and up-to-date, but some information may not be current information may not current... And sole supporter of four kids the loan cancellation a year ago some classes for coding you need assistance as! Do everything you can to please the students because they are paying for the settlement provides cash payments qualifying... Involve defective car warranties and defective home warranties in Aug and in Oct. there was a pell grant.! Dont even recall applying for has up-to-date contact information for you might have other claims, as is!, trying to collect when I enrolled immediately abruptly over the main points that discussed. Over by them and am misreable because I cant afford to pay triple amount. Group in a court claim extremely hard to make sure it has up-to-date information!, both of which have collapsed the only thing you should do is contact Navient to update mailing! To close their doors schools included in the lawsuit being done to collect when I Never finished schooling! Day from Marilee Hall stating they would no longer offer me classes borrower defense application on or before 22... Findings of that inquiry translates into do everything you can see the full Navient settlement agreement and list schools! To calculate my ratings is probably the sexiest thing Ive seen in a court claim read... Something Im pretty sure didnt actually go towards what I owed, loans.

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