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The best way to get out of paying back your Federal or Private student loans is to take advantage of the Borrowers Defense Against Repayment provision of the Higher Education Act of 1965.

Many Americans have never heard of this excellent opportunity to receive complete forgiveness from excessive student loan debt, but people are waking up to these opportunities thanks to the now popular ITT Tech Student Loan Forgiveness Program , the DeVry Student Loan Forgiveness Program , and the Corinthian Colleges Student Loan Forgiveness Program , which are all helping people to realize that they can fight back against their lenders.

The “Defense Against Repayment” provision is an often-overlooked statute buried within the U.S. Higher Education Act of 1965, but one that is growing rapidly on popularity, as it states that the Department of Education is authorized to allow students to get out of paying back their student loans if they can prove that they faced “acts or omissions of an institute of higher education”.

If your school ever lied to you about anything, like overstating your job prospects, promising you salary expectations, or guaranteeing you management positions, then you can petition the Federal Government to invalidate your student loans, and discharge them entirely.

This works for any sort of violation of State or Federal laws that the school may have committed, but it also applies to student loan servicing companies (in some cases), where you’re able to get Federal Student Loan Forgiveness because the servicer lied to you, didn’t give you the right information, made some false promise, or cheated you in some way.

The Navient Student Loan Forgiveness Program is a great example of this sort of thing, where Navient failed to properly support their borrowers, and is now being sued by the Consumer Financial Protection Bureau.

Bottom line: while we wait for President Trump’s Student Loan Reforms to be announced, your best bet at getting your Federal loans discharged, reduced, or in some other way dealt with is to pursue a Borrowers Defense Against Repayment discharge.

It’s important that you fully understand how the defense to repayment provision works, because getting approval for a defense to repayment discharge requires making a sophisticated legal argument that your school violated the law in some way, essentially tricking you into taking on student loan debt due to their false promises that it would be worth the cost.

Receiving approval for a defense against repayment argument involves collecting evidence and presenting the Department of Education with proof “that the school did something wrong or failed to do something that it should have done”, which is provided in the form of the Borrowers Defense Against Repayment letter.

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Just as there is no simple system for evaluating the quality of faculty research, there is no simple system for evaluating the quality of faculty teaching. However, by thinking carefully about the purposes of evaluation, and by crafting multiple methods of evaluation that suit those purposes, one can devise evaluation systems that are reliable, valid, and fair. Equally important, the process of discussing and crafting evaluation systems focuses attention on the practice of good teaching and helps to create a culture in which teaching is highly valued.

Some Principles of Teaching Evaluation Some Sources of Data for Evaluating Teaching: Students, Colleagues, and Self-Reflection Students: Multiple Sources Colleagues: Peer Review Self-Reflection: Teaching Dossiers Concluding Remarks

Evaluation of teaching is not a science; there is still much to learn. However, as indicated in this brief set of guidelines, there is already a considerable body of knowledge about teaching evaluation. The academic community has a strong incentive to add to that knowledge since we will not be able to recognize and reward teaching adequately until we craft a better system for evaluating it.

Selected Bibliography

Benton, S. L., Ryalls, K. R. (2016). Challenging misconceptions about student ratings of instruction . IDEA PaperNo. 58. Manhattan, KS: The Idea Center. Retrievedfrom

Braskamp, L.A.,Brandenburg, D. C.; Ory, J. C. (1984). Evaluating teaching effectiveness: A practical guide . Beverly Hills, CA: Sage.

Centra, J. A. (1993). Reflective faculty evaluation: Enhancing teaching and determining faculty effectiveness . San Francisco: Jossey-Bass.

Cross, K. P., Angelo, T. A. (1993). Classroom assessment techniques: A handbook for college teachers (2nd ed.). San Francisco: Jossey-Bass.

Linse, A. R. (2017). Interpreting and using student ratings data: Guidance for faculty serving as administrators and on evaluation committees. Studies in Educational Evaluation, 54 , 94-106. Retrieved from

Edgerton, R.,Hutchings, P., Quinlan, K. (1991). The teaching portfolio: Capturing the scholarship in teaching . Washington, DC: American Association for Higher Education.

Seldin, P. Associates. (1990). How administrators can improve teaching: Moving from talk to action . San Francisco: Jossey-Bass.

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