Question 1

Can my student loans be discharged?

Accepted Answer

Yes, in specific regulatory lanes: false certification by the school (forged signatures, no-diploma enrollment, identity theft, disqualifying-condition enrollment — 34 CFR 685.215), and closed-school discharge if you were enrolled or withdrew within 180 days of closure (685.214) — both with refunds of amounts paid and credit repair.

Question 2

My PSLF was denied — is that final?

Accepted Answer

No. 34 CFR 685.219(g) gives you 90 days from the denial notice to request reconsideration, and even after that, new evidence reopens the decision ((g)(5)). Months in deferment/forbearance while publicly employed can be bought back under (g)(6).

Question 3

What can I do about my loan servicer?

Accepted Answer

California borrowers have a private right of action under AB 376 (Civ. Code 1788.103): minimum $500 statutory damages per violation, treble (minimum $1,500) when the servicer interfered with forgiveness or discharge rights, plus attorney's fees — after a 45-day pre-suit demand letter the statute itself prescribes.

Student-loan fixes: every real legal lane, with the regulations

Federal discharges — false certification (34 CFR §685.215)

Closed school (34 CFR §685.214)

PSLF fixes (34 CFR §685.219(g))

California servicer violations (AB 376)

Held lanes & honest answers