Has Your School Closed? Here’s What to Do.

Has Your School Closed? Here’s What to Do.

If your college or career school closed while you were enrolled, or soon after you withdrew, we can help. For each school listed below, we’ve provided information outlining options such as

  • transferring to another school,
  • obtaining your academic transcripts,
  • determining whether you qualify for a discharge of your federal student loans (and how to apply for a discharge), and
  • contacting your loan servicer for assistance.
     

We encourage you to avoid paying companies for student loan consolidation or forgiveness services that your federal loan servicer provides on behalf of the U.S. Department of Education (ED) for free. Read our blog post about your rights and options as a borrower.

Closed Schools
Frequently Asked Questions About School Closures

Closed Schools

Look for your school’s name, and find information about the closure and what your options are.

School Name

Information for State Where Your Campus is Located

Schedule of Webinars, Transfer Fairs, and/or Meetings

Bramson ORT College

New York fact sheet

 

Career Point College

Oklahoma fact sheet
Texas fact sheet

Webinar schedule

Corinthian Colleges

Various; view info for all Corinthian locations

 

Culinary Academy of Long Island

See Star Career Academy below

 

Dade Medical College

Florida information

 

Dowling College

New York fact sheet

 

DuBois Business College

Pennsylvania fact sheet

 

Everest College/Everest Institute/Everest University

See Corinthian Colleges above

 

Globe University

South Dakota fact sheet
Wisconsin fact sheet

 

Heald College

See Corinthian Colleges above

 

Heritage College/Heritage Institute

Arkansas fact sheet
California fact sheet
Colorado fact sheet
Florida fact sheet
Kansas fact sheet
Missouri fact sheet
Ohio fact sheet
Oklahoma fact sheet

Webinar schedule

International Career Development College (ICDC)

California fact sheet

 

ITT Technical Institutes

Various; view info for all ITT locations

Columns L–O of this spreadsheet

Marinello Schools of Beauty

California fact sheet
Connecticut fact sheet
Kansas fact sheet
Nevada fact sheet
Utah fact sheet

Columns K–M of this spreadsheet

Mattia College

Florida information

 

MBTI

English fact sheet
Spanish fact sheet

 

Medtech College/Medtech Institute

View District of Columbia, Maryland, and Virginia information

 

Missouri College

Missouri fact sheet

Webinar schedule

Park West Barber School

View North Carolina, South Carolina, and Virginia information

 

Radians College

See Medtech College/Institute above

 

Regency Beauty Institute

Arizona fact sheet
Arkansas fact sheet
Colorado fact sheet
Florida fact sheet
Illinois fact sheet
Indiana fact sheet
Kansas fact sheet
Louisiana fact sheet
Maryland fact sheet
Michigan fact sheet
Minnesota fact sheet
Missouri fact sheet
North Carolina fact sheet
Ohio fact sheet
South Carolina fact sheet
Tennessee fact sheet
Texas fact sheet
Virginia fact sheet
Wisconsin fact sheet

Webinar schedule

Sage College

Moreno Valley, California, fact sheet

Webinar schedule

Star Career Academy

New Jersey fact sheet
New York fact sheet
Pennsylvania fact sheet

Webinar schedule

University of Southernmost Florida

See Dade Medical College above

 

Vantage College

Texas fact sheet

 

Westech College

California fact sheet

Webinar schedule

Wright Career College

Kansas, Nebraska, and Oklahoma fact sheet

 

WyoTech

See Corinthian Colleges above

 

Frequently Asked Questions About School Closures

My school has closed and lost eligibility to receive federal student aid funds from ED. What is ED doing to assist students like me?
Will I be able to finish my program?
How does ED define a “comparable program of study” when considering eligibility for a closed school loan discharge?
If I want to transfer to another school, does it have to be one that has the same accreditor as my closed school?
My school informed me that they have arranged a “teach-out” plan with neighboring schools. What is a teach-out plan?
My program requires that I pass a state professional licensing exam and/or obtain a professional board certification before I can work in the state. How will the closure of my school impact my ability to sit for my exam or obtain professional certification?
How and where can I obtain a copy of my academic transcript?
Where can I find information about the federal student aid I’ve received and how much more I might be eligible to receive?
How does my school's closure impact my federal Direct Loan limitations?
Does my Federal Pell Grant eligibility duration “reset” due to the closure of my school?
Do I have the option for a closed school loan discharge?
What exactly does it mean to have my federal student loans discharged?
If I enroll (by transferring academic credits or hours earned from my closed school) in a comparable program at another school for the purpose of completing the program for which a loan was made at my closed school, can I still receive a closed school loan discharge?
I transferred from my closed school and enrolled in a completely different program of study at a new school and completed the new program. Are my previous loans from my closed school dischargeable?
How do I apply for a closed school discharge?
What is the deadline for applying for a closed school discharge?
How do I find out which loan servicer is servicing my account?
I'm a veteran and was using GI Bill benefits to finance my education at my closed school. How does the closure affect me and my benefits?
Am I eligible for relief through a state tuition recovery fund?
I believe I may have been a victim of fraud by my school. What are my options?
What are my options if I graduated from a closed school prior to its closure and owe federal student loans?
I have nonfederal loans through private lenders. How can I get those loans discharged?
I was recently granted a closed school loan discharge. Do I have to report the discharged amount as taxable income on this year’s tax return?
If I have not received Form 1098-T to complete my taxes, is there a way I can obtain one?
I’m a parent that took a PLUS loan to help pay for my child’s education, and his or her school is now closed. Can my loan be discharged?
If I have further questions, where can I get assistance?

My school has closed and lost eligibility to receive federal student aid funds from ED. What is ED doing to assist students like me?

If your school closed, you have two basic options: (1) apply for a closed school loan discharge or (2) transfer your earned credits to another institution.

Click the link or links above for your specific closed school for detailed information, like how to access and obtain your student records and transcripts and contact information for your state postsecondary education agency.

You may want to use ED’s College Scorecard to explore your transfer options and find the program that’s right for you.

If you’re interested in transferring your credits to another institution, you should contact that institution to confirm that they will accept the credits you earned from your closed school. The institution also can tell you what additional steps you need to take to enroll at their institution (for example, update the FAFSA form with the new institution’s information).

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Will I be able to finish my program?

This depends on your particular closed school. In some cases, students who transfer to a new institution may be able to finish their current programs at the new institution. Each institution will have its own requirements that are used to determine if any of your credits earned at your closed school will transfer. If you do transfer into a comparable program offered by another institution, that institution will evaluate your course work from your closed school and will decide whether any or all of your completed credits will be accepted at the new institution and what remaining credits you will need to complete the program.

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How does ED define a “comparable program of study” when considering eligibility for a closed school loan discharge?

ED looks at a number of factors when determining if the program of study at a new institution is considered comparable to the program of study you took at your closed school. Such factors may include:

  • the academic or professional nature of the two programs;
  • the similarity in course requirements;
  • the treatment of transfer credits by the institution accepting the credits (for example, as general education credits or electives, or as credits toward completion of the core program); and
  • the disposition of a state-approving agency or accrediting agency on the comparability of the programs.

You must act in good faith and to the best of your knowledge when completing discharge application forms, including when answering the question as to whether you have completed or are in the process of completing a comparable program of study.

You also should carefully consider the number of credits from your closed school a receiving institution will accept for transfer into a comparable program of study before making the decision to forgo applying for a closed school loan discharge. For example, if a receiving institution is willing to only accept a small number of your credits from your closed school toward completion of a comparable program of study, a closed school loan discharge may prove a more suitable option for you.

NOTE:  Rather than accepting your transferred credits, if the school you’re transferring to evaluates your competency through testing or interviews that exempt you from taking core credits for a comparable program, you are considered ineligible for a closed school loan discharge.

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If I want to transfer to another school, does it have to be one that has the same accreditor as my closed school?

No, you are open to explore all your options and choose the institution and program that is right for you. If you’re interested in transferring your credits to another institution, you should contact that institution to confirm that they’ll accept the credits you earned at your closed school.

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My school informed me that they have arranged a “teach-out” plan with neighboring schools. What is a teach-out plan?

A teach-out plan is a written course of action a school will take to ensure its students are treated fairly with regard to finishing their programs of study. Some plans include written agreements between the closed school and other schools that are still open for teaching.

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My program requires that I pass a state professional licensing exam and/or obtain a professional board certification before I can work in the state. How will the closure of my school impact my ability to sit for my exam or obtain professional certification?

To determine if you are able to sit for your licensing exam or obtain professional certification, contact your state postsecondary agency or the professional board that is responsible for administering the exam or issuing the certification. Click the link or links by your school name in the table above to find your state postsecondary agency contact information.

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How and where can I obtain a copy of my academic transcript?

Prior to closing, your school is required to make accommodations for you to access your academic records indefinitely. Your school must communicate information about your academic transcripts once the location has been determined.

For information about how to access and obtain your student records and transcripts, review the detailed information above about your specific closed school.

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Where can I find information about the federal student aid I’ve received and how much more I might be eligible to receive?

For information about your federal student aid history and your remaining eligibility for certain federal student aid programs, please visit My Federal Student Aid.

You can no longer use your Federal Student Aid PIN. If you haven’t already, you’ll need to create an FSA ID—a username and password—to access your loan history.

Each student’s eligibility for additional federal student aid funds will need to be evaluated independently. When enrolling in a new institution, please contact the school’s financial aid office to determine your financial aid eligibility.

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How does my school’s closure impact my federal Direct Loan limitations?

If you are a first-time borrower on or after July 1, 2013, there is a limit on the maximum period of time (measured in academic years) that you can receive Federal Direct Subsidized Loans. This time limit does not apply to Direct Unsubsidized Loans or Direct PLUS Loans. If this limit applies to you, you may not receive Direct Subsidized Loans for more than 150 percent of the published length of your program. Learn more about the maximum period of time you are eligible to receive Direct Subsidized Loans.

There also are limits on the amount in subsidized and unsubsidized loans you may be eligible to receive each academic year (annual loan limits) and the total amounts you may borrow for undergraduate and graduate study (aggregate loan limits). If you apply for and receive a closed school loan discharge, the discharged loan will no longer count against your 150-percent subsidized loan usage period or your annual and aggregate loan limits. Find out more about loan limits.

However, if you transfer credits toward the completion of a comparable program at another institution and do not receive a closed school loan discharge of the loans attributable to your closed school’s program of study, those loans will continue to count toward your 150-percent subsidized loan usage period and your annual and aggregate loan limits. The law that governs the Direct Loan Program does not give ED the authority to exclude loans that are not discharged.

For more information about your remaining Federal Direct Loan eligibility, visit My Federal Student Aid.

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Does my Federal Pell Grant eligibility duration “reset” due to the closure of my school?

The amount of Federal Pell Grant funds you may receive over your lifetime is limited by federal law to be the equivalent of six years of Pell Grant funding. Since the maximum amount of Pell Grant funding you can receive each year is equal to 100 percent, the six-year equivalent is 600 percent. Get more information about Pell Grant eligibility limitations.

In April 2017, ED began implementing a policy change to restore periods of Pell Grant eligibility to students who were unable to complete their course of study due to the closure of an institution. Students whose eligibility may change as a result of this policy will be notified when their available limits to receive Pell Grant funding have been adjusted.

To determine your remaining Pell Grant eligibility, visit My Federal Student Aid.

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Do I have the option for a closed school loan discharge?

Yes, you may be eligible for a 100-percent discharge of your Direct Loans, Federal Family Education Loan (FFEL) Program Loans, or Federal Perkins Loans under either of these circumstances:

  • Your school closed while you were enrolled, and you didn’t complete your program because of the closure. If you were on an approved leave of absence, you’re considered to have been enrolled at the school.
  • Your school closed within 120 days after you withdrew.

Click on the link or links for your closed school in the table above for detailed information about your eligibility for a closed school loan discharge.

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What exactly does it mean to have my federal student loans discharged?

By accepting and receiving a closed school loan discharge, you have no further obligation to repay the loan, and you will receive a reimbursement of payments made voluntarily or through forced collection, and the discharge will be reported to credit bureaus so as to delete any adverse credit history associated with the loan.

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If I enroll (by transferring academic credits or hours earned from my closed school) in a comparable program at another school for the purpose of completing the program for which a loan was made at my closed school, can I still receive a closed school loan discharge?

No. You may not receive a closed school loan discharge if you completed or are in the process of completing a comparable program of study at the new institution.

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I transferred from my closed school and enrolled in a completely different program of study at a new school and completed the new program. Are my previous loans from my closed school dischargeable?

Yes. You may receive a closed school loan discharge because the program of study at the new school is completely different from your program of study at your closed school (for which the loans were intended).

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How do I apply for a closed school discharge?

To apply for loan forgiveness through a closed school discharge, you can either

Get more details about the loan discharge process.

NOTE: All completed Closed School Loan Discharge Applications must be sent to your loan servicer.

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What is the deadline for applying for a closed school discharge?

There is no deadline to apply for a closed school discharge.

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How do I find out which loan servicer is servicing my account?

Log in to My Federal Student Aid or call 1-800-4-FED-AID (1-800-433-3243).

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I’m a veteran and was using GI Bill benefits to finance my education at my closed school. How does the closure affect me and my benefits?

As noted on the Department of Veterans Affairs (VA) GI Bill website, the VA does not have the legal authority to restore GI Bill benefits to veterans who are impacted by a school closure. To learn more about your options or to speak with a representative about your GI Bill benefits, contact the VA’s Education Call Center at 1-888-442-4551. If you’re interested in transferring your credits to another institution, you are encouraged to use the GI Bill Comparison Tool to find the program that’s right for you. You also may be eligible to receive personalized counseling and support through VA’s Education and Career Counseling program to help you identify an institution that aligns with your educational goals. ED, too, offers personalized counseling and support to eligible veterans through Veterans Upward Bound and Education Opportunity Centers.

Nonfederal veteran-serving organizations, such as the Veterans of Foreign Wars (VFW), provide resources and programs that may benefit you. The VFW’s Emergency Grant Program provides funding on a case-by-case basis to assist eligible student veterans with unmet living expenses. In addition, the VFW provides scholarships for eligible student veterans who have exhausted their GI Bill benefits.

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Am I eligible for relief through a state tuition recovery fund?

Tuition recovery funds generally reimburse charges not covered by other sources. For example, the closed school loan discharge payments would cover the federal loan balances while the tuition recovery fund payments could cover expenses such as private loans and cash payments that were directed toward tuition payments at your closed school. The availability of such a fund and the requirements of each state are different. For information about availability and eligibility, click the link or links for your closed school.

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I believe I may have been a victim of fraud by my school. What are my options?

Under a borrower defense to repayment claim, you may be eligible for loan forgiveness (a discharge) of the federal Direct Loans you took out to attend a school if that school committed fraud by doing something or failing to do something, or otherwise violated applicable state law related to your loans or the educational services you paid for.

Learn more about loan discharges based on borrower defense and get information about how to apply for loan relief on this basis.

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What are my options if I graduated from a closed school prior to its closure and owe federal student loans?

You still are responsible for repaying loans taken out to finance your education at your closed school. However, students—who attended a school and believe they were defrauded or that their school otherwise violated applicable state law—may be eligible for a type of loan forgiveness called “borrower defense to repayment” (or “borrower defense”).

Learn more about loan discharges based on borrower defense and get information about how to apply for loan relief on this basis.

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I have nonfederal loans through private lenders. How can I get those loans discharged?

Information provided in this Q&A pertains only to your federal student loans. You must contact the private lender that originated (made) your nonfederal loan to discuss your options.

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I was recently granted a closed school loan discharge. Do I have to report the discharged amount as taxable income on this year’s tax return?

No. A taxpayer whose federal student loan is discharged under the closed school discharge process does not need to report the amount of the discharged loan in gross income on a federal income tax return.

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If I have not received Form 1098-T to complete my taxes, is there a way I can obtain one?

Questions concerning Internal Revenue Service (IRS) forms and filing requirements should be directed to the IRS. You may contact the IRS via telephone at 1-800-829-1040. Further information can be found at IRS.gov.

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I’m a parent that took a PLUS loan to help pay for my child’s education, and his or her school is now closed. Can my loan be discharged?

As a parent, you may be eligible for a closed school loan discharge if the school closed before your child completed the program. Contact your loan servicer for more information. If you don’t know who your loan servicer is, visit My Federal Student Aid.

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If I have further questions, where can I get assistance?

In September 2016, ED announced that a coalition of organizations is spearheading efforts to match students impacted by school closures with experienced financial aid and academic advisors across the country to help navigate the options available. Find out how to contact a volunteer advisor.

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