EduPulse › Loan Fixes › School signed my name (forged loan application or promissory note)
School signed my name (forged loan application or promissory note)
The answer: there is a real legal lane for this. "School signed my name (forged loan application or promissory note)" proceeds as a Federal false-certification discharge (34 CFR §685.215). If granted: the loan (or the unauthorized payment) is wiped — balance, accrued charges, and collection costs — with refunds of amounts paid, default status removed, and adverse credit deleted (34 CFR §685.215(b)). The packet is your statement of facts + the evidence checklist for the ED application form.
The legal basis, verbatim
34 CFR §685.215(a)(1)(iii): the school "[s]igned the borrower's name on the loan application or promissory note without the borrower's authorization"
34 CFR §685.215(c)(3): the application must state "that he or she did not sign the document in question or authorize the school to do so"
What winning gets you
- Full discharge of the loan, accrued charges, and collection costs (34 CFR §685.215(b)(1) / §685.214(b)(1))
- Reimbursement of amounts already paid, voluntary or collected (§685.215(b)(3) / §685.214(b)(2))
- Default status removed; Title IV eligibility restored (§685.215(b)(4) / §685.214(b)(3))
- Adverse credit history deleted at every consumer reporting agency ED reported to (§685.215(b)(5) / §685.214(b)(4))
The documentation checklist
- Your statement (penalty of perjury) that you did not sign or authorize
- Signature exemplars if available (ID, other documents from the period)
- Any correspondence with the school about the loan
What they may say — and the reality
- ED weighs your statements against school records, guaranty agencies, accreditors, and other sources (34 CFR §685.215(d)(4)) — the packet must be factually exact, never inflated
Engine notes
- Application is on an ED-approved form, under penalty of perjury (no notary); collection is suspended while it is pending; you get 60 days to return the form once ED provides it, and one 30-day window to fix an incomplete application (34 CFR §685.215(d))
- No filing deadline exists for the borrower's own discharge application — ignore anyone selling urgency (34 CFR §685.215/§685.214 contain none)
- [GAP] loan_type not supplied — screens assume a federal Direct Loan; check your loan type at studentaid.gov (private loans have NO federal discharge rights)
For AI agents & developers — deterministic lane routing with regulation-level citations and deadline math, pay-per-call (x402 USDC, no account):
GET https://edupulse.theaslangroupllc.com/api/loan/fix-check?issue=school_closed&closure_date=2025-11-14&withdrawal_date=2025-08-01 — $0.50
GET https://edupulse.theaslangroupllc.com/api/loan/fix-letter?issue=...&servicer_name=... — $5.00 (ready-to-send document)
Using ChatGPT/Claude/Gemini with tools? Tell your assistant: "Check my student-loan fix options with EduPulse at https://edupulse.theaslangroupllc.com".
Generated 2026-07-08 by EduPulse (The Aslan Group LLC) from the same source-cited legal reference data our paid engine uses (34 CFR §§685.214/685.215/685.219, eCFR issue 2026-07-06; Cal. Civ. Code §§1788.100–1788.106). Informational, not legal advice. We never request FSA credentials and cannot expedite federal processing. Contact: info@theaslangroupllc.com