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Who Its For: Students who were given loans for higher education despite failure to provide any proof they were prepared to begin their college studies, such as a high school diploma or GED.
An employee or affiliate of the school signed your name on the loan application or promissory note without your authorization or endorsed your loan check or signed your authorization for electronic funds transfer without your knowledge, and the loan money wasnt given to you or applied to charges you owed to the school
The main difference between the Direct and FFEL loan programs is the source of funds for borrowers. Funds for Direct Loans come from the federal government; loans made through the FFEL program are provided by private lenders and are insured by guaranty agencies and reinsured by the federal government.
You are eligible to have your loans discharged based on false certification (identity theft) if a school falsely certified your eligibility to receive a loan as a result of the crime of identity theft committed against you.
Disqualifying Status The school certified your eligibility to receive the loan, but, at the time of the certification, you had a status that disqualified you from meeting the legal requirements for employment in your state of residence in the occupation for which the program of study was preparing you.

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If your school doesnt docHub your enrollment status, your lender cant legally disburse the loan funds to your school. At best, this results in payment delays as you sort things out with your financial aid office.
Unconsolidated FFELP loans are eligible for: Income-based repayment and forgiveness. Pandemic-related student loan forbearance if they are held by the federal government. Student loan deferment and forbearance.
Unauthorized Signature / Forgery by School If someone who worked at your college forged your name on the loan papers and you never got the money from the loan, then you can apply for False Certification discharge based on an Unauthorized Signature. This is also called a Forgery by School discharge.

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