Borrower Defense Program


Let us advocate on your behalf.

The borrower defense program is for borrowers who have Federal Student Loans and can demonstrate that they enrolled in a school or continued to attend a school based on misleading information from the school or other misconduct covered by the regulation, and suffered a detriment that is of a nature and degree warranting a full discharge of their applicable Federal Student Loans.

MES will verify that your application is filled out accurately and completely and submit it to the Department of Education on your behalf. We’ll monitor your status throughout the review process (average of 6 months) and assist with any further information requests that may be made.

On August 7, 2023, a federal court issued an injunction delaying the regulations governing borrower defense and closed school loan discharges until at least November. While the injunction is in effect, borrowers may still apply for borrower defense forgiveness. The Department of Education will not use the latest rules until the injunction has been lifted by the courts. Depending on the jurisdiction, certain borrower defense cases will proceed to forgiveness under the previous regulations. Either way, now is the best time to apply, get your application in as early as possible and be in the front of the line.

If your application is successful, your Federal Student Loans will be discharged. Once your eligible loans have been discharged, you may receive a refund for the qualified payments you previously made for that school.


** UPDATE **


May 2, 2024

The Biden administration has announced the forgiveness of $6.1 billion in student loans for 317,000 former students of The Art Institutes, following findings of misrepresented job placement and earnings data by the school. If you were affected by the closure of these for-profit schools or have concerns about your loans, please contact our Client Care department for guidance and support.


Who is MES?

A Student Loan Management Firm dedicated to helping you live your best life.

My Education Solutions

Student Loan Advisors

We'll help you understand your student loan debt repayment options and help you manage it easily.

Research More
If you’re ready to begin your path toward a better financial future, contact us today!