u/j-j_sierra

Hi everyone,

I’m hoping someone here has been in a similar situation or can offer guidance.

I am currently in forbearance status due to a Borrower Defense claim, which is now in “processing discharge” status.

Here’s a quick timeline of my situation:

I attended Ashford University about 12 years ago.

I received a discharge approval email in January 2025. I also received an official approval letter from Aidvantage (my original servicer before I consolidated to EdFinancial in Feb 2017). Aidvantage has zeroed out my account (though it was already at $0 after consolidation). However, my EdFinancial and FAFSA accounts still show a balance, and interest continues to accrue monthly.

I’ve been trying to resolve this for months:

EdFinancial tells me to contact Borrower Defense

Borrower Defense says the discharge file has already been sent to both servicers.

EdFinancial then says they are still waiting on the Department of Education/Borrower Defense.

I’ve submitted multiple emails and cases and keep receiving generic responses.

So at this point, I’m basically being told to just wait.

Additional details:

I filed for Borrower Defense about 2 months after the Sweet vs. Cardona class action deadline. Last week, I received a reimbursement check from the U.S. Treasury. Despite that, my EdFinancial and FAFSA balances are still showing. I also received an email from the Department of Education saying I need to select a new repayment plan (since SAVE is ending), and that my servicer will contact me within 90 days.

Since I am currently in forbearance due to Borrower Defense, do I still need to select a new repayment plan?

If I do select one, will repayment automatically restart, or will I remain in forbearance while the discharge is processed?

Any insights or similar experiences would really help. Thanks so much in advance!

Hi everyone,

I’m hoping someone here has been in a similar situation or can offer guidance.

I am currently in forbearance status due to a Borrower Defense claim, which is now in “processing discharge” status.

Here’s a quick timeline of my situation:

I attended Ashford University about 12 years ago.

I received a discharge approval email in January 2025. I also received an official approval letter from Aidvantage (my original servicer before I consolidated to EdFinancial in Feb 2017). Aidvantage has zeroed out my account (though it was already at $0 after consolidation). However, my EdFinancial and FAFSA accounts still show a balance, and interest continues to accrue monthly.

I’ve been trying to resolve this for months:

EdFinancial tells me to contact Borrower Defense

Borrower Defense says the discharge file has already been sent to both servicers.

EdFinancial then says they are still waiting on the Department of Education/Borrower Defense.

I’ve submitted multiple emails and cases and keep receiving generic responses.

So at this point, I’m basically being told to just wait.

Additional details:

I filed for Borrower Defense about 2 months after the Sweet vs. Cardona class action deadline. Last week, I received a reimbursement check from the U.S. Treasury. Despite that, my EdFinancial and FAFSA balances are still showing. I also received an email from the Department of Education saying I need to select a new repayment plan (since SAVE is ending), and that my servicer will contact me within 90 days.

Since I am currently in forbearance due to Borrower Defense, do I still need to select a new repayment plan?

If I do select one, will repayment automatically restart, or will I remain in forbearance while the discharge is processed?

Any insights or similar experiences would really help. Thanks so much in advance!