How Do I Stop Paying My ITT Tech Student Loans? – Jonathan


Dear Steve,

Graduated ITT Tech in 2007 but unfortunately from the very beginning I felt that I was mess lead from the very beginning. I now have a ton of debt that I don’t feel like I should pay back as I feel that these loans are fraud. After reading hundreds of comments and article in regards to ITT scandals all these loans are not justified as I did not see ITT as an accredited institution.

Best way to get loans discharged or I would like to stop paying them.



Dear Jonathan,

I hear you. Now that the abuses of the for-profit marketplace are coming to light, it seems more and more people are feeling ripped off by one school or another. ITT Tech has certainly had their time in the spotlight.

You did not mention if these were federal or private student loans.

If they are federal loans then a new process that is currently being developed might be helpful. For federal loans you should learn more about the Borrower Defense program. Under this program you will have an opportunity to present specific examples of the fraud you were the victim of and if accepted your federal loans could be totally forgiven.

This is a developing area and the biggest mistake I see people making is making claims with little substantiation or chance of being approved.

I think this will be a new field that requires expertise from either a lawyer who is licensed in your state who can identify the fraud you were subject to or a consultant who develops special skill in dealing with preparing Borrower Defense claims.

If these are private loans you have, you are out of luck on the fraud discharge process. You will instead have to take some sort of action against the lender, which most people could not afford to do, or think about settling the amount you owed by defaulting and then negotiating or filing bankruptcy and then an adversary proceeding to make the claim why all or a portion of the private student loans should be discharged.

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I can’t speak about what you might have experienced in 2007 when you graduated but ITT Technical is certainly facing additional scrutiny today.

ITT Tech is under the microscope with Accrediting Council for Independent Colleges and Schools (ACICS). This letter from the Department of Education will help you to see some of the areas of concern.

Despite the problems you hear about concerning money issues with students and ITT Tech, one fact remains; you did graduate from ITT Technical and you have the degree in hand. That degree has some value and hopefully has been able to help you in your professional life.

As the Department of education says, “You completed your degree at an operational and accredited institution. Nobody can take away your credentials or the skills you gained.” That’s a true statement.

The Department also addresses your concerns when they say, “The actions we’re taking against ITT today are based on the operational and financial risk they pose to students and taxpayers, not on a finding that they defrauded students. There are, however, a number of open federal and state investigations into ITT campuses. If those investigations find evidence of fraud or other illegal behavior surrounding your specific program, you might be eligible for relief. You can also go to Federal Student Aid’s borrower defense page to learn more about how to file a claim if you believe the school misled you.”

One big point to know before you launch into the Borrower Defense route is that during the time your claim is being processed, your federal student loans will be in forbearance. That can be an eventual problem and inflate the amount you owe. Please read The Borrower Defense Pothole That Will Swallow Many Trying to Forgive Student Loans before you leap.


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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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