BORROWER DEFENSE

RESOURCES & RESEARCH TOOLS

Complete Reference Guide for Evidence Discovery
Government Resources, Research Tools & Support Services
HOW TO USE THIS GUIDE: This comprehensive resource directory provides you with specific tools, websites, and step-by-step instructions for gathering evidence, verifying information, and accessing support throughout your Borrower Defense process. Each section includes direct links, phone numbers, and detailed procedures.
GOVERNMENT RESOURCES & WARNINGS
Federal Trade Commission (FTC) Resources
FTC Consumer Sentinel: Database of consumer complaints
Website: consumer.ftc.gov
Report Fraud: 1-877-FTC-HELP (1-877-382-4357)

How to Access FTC School Warnings:

1. Go to ftc.gov and search "[Your School Name] + warning" or "[Your School Name] + settlement"

2. Check the FTC's "Enforcement" section for formal actions against schools

3. Look for FTC Consumer Alerts about for-profit colleges

4. Download and save any official FTC documents mentioning your school

Key FTC Pages:
• ftc.gov/enforcement/cases-proceedings
• consumer.ftc.gov/articles/choosing-college
• ftc.gov/business-guidance/industry/higher-education
Department of Education Official Resources
Federal Student Aid: studentaid.gov
Borrower Defense Portal: studentaid.gov/borrower-defense
Help Desk: 1-800-433-3243
Borrower Defense Hotline: 1-855-279-6207

Essential ED Resources to Check:

1. School Closure Lists: Check if your school officially closed

2. Heightened Cash Monitoring Lists: Schools under federal oversight

3. Title IV Program Participation Agreements: Official school authorizations

4. Clery Act Data: Campus safety and security information

Critical ED Databases:
• studentaid.gov/data-center/school
• ope.ed.gov/athletics (for sports program claims)
• studentaid.gov/announcements-events
• fsapartners.ed.gov (for school compliance issues)
State Attorney General Resources

How to Find Your State AG Resources:

1. Go to naag.org (National Association of Attorneys General)

2. Find your state's AG office contact information

3. Search "[State] Attorney General + [School Name]" for any investigations

4. Check your state AG's consumer protection division

5. Look for multi-state AG actions against for-profit colleges

What to Look For: • Press releases about school investigations • Settlement agreements with your school • Consumer alerts about educational practices • Formal complaints filed against institutions • Cease and desist orders • Reddit posts from other students with similar experiences
RESEARCH TOOLS & INSTRUCTIONS
Wayback Machine - Internet Archive
Website: web.archive.org
Purpose: Find old versions of school websites and promotional materials

Step-by-Step Wayback Machine Instructions:

1. Go to web.archive.org

2. Enter your school's website URL (example: www.schoolname.edu)

3. Click "Browse History" to see a calendar of captured dates

4. Look for dates BEFORE you enrolled and DURING your enrollment

5. Click on blue highlighted dates to view that day's website

6. Navigate to admissions, programs, career services, job placement pages

7. Take screenshots of any promises or claims that were false

8. Note the capture date for each screenshot

9. Save the Wayback Machine URL for each page as evidence

IMPORTANT: The Wayback Machine doesn't capture every website every day. If you don't find your school's site, try variations of the URL (with/without www, .com vs .edu, old domain names).
Google Cache & Search Tools

Google Cache Instructions:

1. Go to google.com

2. Search for: cache:[school website URL]

3. Example: cache:www.schoolname.edu/admissions

4. This shows Google's most recent saved version of the page

5. Screenshot any relevant information with the cache date visible

Advanced Google Search for Evidence:

1. Use quotation marks for exact phrases: "100% job placement rate"

2. Add your school name: "SchoolName" + "guaranteed employment"

3. Use date filters: Tools > Any Time > Custom Range

4. Search specific sites: site:schoolname.edu "career services"

5. Look for news articles: "SchoolName" + "investigation" + "fraud"

Social Media Archiving Tools

Capturing Social Media Evidence:

1. Use screenshots with full context (including dates, URLs)

2. Try archive.today for individual social media posts

3. Search Facebook, Twitter, LinkedIn for school promotional posts

4. Look for student complaints on school social media pages

5. Check review sites: Yelp, Google Reviews, Better Business Bureau

6. Search Reddit - goldmine for student experiences and evidence

Reddit Evidence Mining Techniques:

1. Search reddit.com/r/StudentLoans for borrower defense discussions

2. Try reddit.com/r/BorrowerDefense for specific cases and outcomes

3. Search "[School Name] reddit" to find school-specific discussions

4. Look for subreddits about your specific career field/program

5. Use Reddit's advanced search: site:reddit.com "[school name]" fraud

6. Check r/legaladvice and r/personalfinance for related discussions

7. Screenshot full comment threads showing similar experiences

8. Note usernames and dates - may help find potential witnesses

Social Media & Reddit Search Tools:
• archive.today (for saving individual posts)
• Facebook.com/[schoolname] (official school pages)
• LinkedIn company pages for schools
• YouTube for promotional videos
• reddit.com/r/StudentLoans
• reddit.com/r/BorrowerDefense
• redditsearch.io (advanced Reddit search tool)
EVIDENCE DISCOVERY RESOURCES
News Articles & Investigations

Finding News Coverage:

1. Search Google News: news.google.com

2. Try local news stations in your school's area

3. Check education news sites: Inside Higher Ed, Chronicle of Higher Education

4. Look for investigative journalism: ProPublica, Center for Investigative Reporting

5. Search business news for school closures or financial problems

6. Mine Reddit communities for crowdsourced investigations and student experiences

Reddit as an Evidence Goldmine:

1. Reddit users often share detailed experiences with fraudulent schools

2. Look for posts with documentation, screenshots, and specific details

3. Students often post about similar experiences at the same school

4. Check for posts about successful borrower defense claims

5. Look for discussions about school closures or accreditation issues

6. Users sometimes share internal school documents or communications

7. Cross-reference Reddit experiences with your own situation

Key News Sources:
• insidehighered.com
• chronicle.com
• propublica.org
• studentloanborrowerassistance.org/news
• reddit.com/r/StudentLoans (evidence sharing community)
• reddit.com/r/BorrowerDefense (success stories and evidence)
Accreditation Databases
CHEA Database: chea.org
ED Accreditation Database: ope.ed.gov/accreditation

Verifying Accreditation Claims:

1. Go to ope.ed.gov/accreditation

2. Search for your school by name

3. Check accreditation dates against school claims

4. Look for "probation" or "warning" status

5. Verify programmatic accreditation for specific programs

6. Check if accreditation was retroactively withdrawn

Red Flags to Document: • School claimed accreditation it didn't have • Accreditation was on probation during your enrollment • Program-specific accreditation was missing • Accreditation was withdrawn after you graduated
Job Placement Data Sources

Finding Real Employment Statistics:

1. College Scorecard: collegescorecard.ed.gov

2. Bureau of Labor Statistics: bls.gov

3. State workforce development databases

4. Professional licensing boards for your field

5. Industry-specific salary surveys

Employment Data Resources:
• collegescorecard.ed.gov
• bls.gov/ooh (Occupational Outlook Handbook)
• careeronestop.org
• salary.com, glassdoor.com (salary comparisons)
LEGAL RESOURCES
Free Legal Aid Organizations
Legal Services Corporation: lsc.gov
National Consumer Law Center: nclc.org
Find Legal Help: lawhelp.org

Finding Free Legal Help:

1. Go to lawhelp.org

2. Enter your zip code

3. Select "Education" or "Consumer" issues

4. Contact local legal aid societies

5. Check if your state has a Student Loan Ombudsman

6. Connect with Reddit communities for peer support and shared experiences

Specialized Student Loan Legal Help: • Student Loan Borrower Assistance Project (NCLC) • Project on Predatory Student Lending • National Association of Consumer Advocates • State bar association pro bono programs • Reddit r/BorrowerDefense community (peer support and strategy sharing)
REDDIT LEGAL ADVICE WARNING: While Reddit communities like r/BorrowerDefense and r/StudentLoans provide valuable peer support and evidence sharing, remember that Reddit users are not licensed attorneys. Use Reddit for gathering evidence, finding similar experiences, and emotional support, but always verify legal advice with qualified professionals.
Student Loan Assistance Programs
Student Loan Borrower Assistance: studentloanborrowerassistance.org
Project on Predatory Student Lending: predatorystudentlending.org
National Association of Student Financial Aid Administrators: nasfaa.org
Free Student Loan Help:
• studentloanborrowerassistance.org
• ppsl.org (Harvard Law School project)
• studentaid.gov/help-center
• consumerfinance.gov/ask-cfpb/student-loans
Consumer Protection Agencies

Filing Additional Complaints:

1. Consumer Financial Protection Bureau: consumerfinance.gov

2. Better Business Bureau: bbb.org

3. State consumer protection offices

4. Department of Veterans Affairs (if you used GI Bill benefits)

5. State education departments

CFPB Student Loan Complaints: 1-855-411-2372
Website: consumerfinance.gov/complaint
DOCUMENTATION TOOLS
How to Screenshot and Preserve Evidence

Proper Screenshot Techniques:

1. Capture the full browser window including URL bar

2. Include timestamps and dates when visible

3. Use PNG format for better quality

4. Take multiple screenshots of long pages

5. Document the source and date captured

6. Save original file names with dates

EVIDENCE PRESERVATION TIPS: • Never edit or alter screenshots • Save original URLs in a text file • Create multiple copies of important evidence • Use cloud storage for backup • Document the chain of custody for each piece of evidence
Document Organization Systems

Recommended File Organization:

1. Create main folder: "BorrowerDefense_[SchoolName]_[YourName]"

2. Subfolders by evidence type:

• School_Promotional_Materials

• Email_Communications

• Enrollment_Documents

• Financial_Records

• News_Articles_Government_Actions

• Employment_Job_Placement_Evidence

• Witness_Statements

3. Use consistent file naming: Date_Type_Description

4. Create an evidence log spreadsheet

Cloud Storage Recommendations
Secure Cloud Storage Options: • Google Drive (15GB free) • Microsoft OneDrive (5GB free) • Dropbox (2GB free) • iCloud (for Apple users) • Box.com (10GB free for students)
BACKUP STRATEGY: Use at least two different cloud services and keep local copies. This protects your evidence if one service fails or accounts are compromised.
VERIFICATION RESOURCES
How to Verify School Claims

Fact-Checking Employment Claims:

1. Bureau of Labor Statistics: bls.gov/ooh

2. O*NET Interest Profiler: mynextmove.org

3. State workforce development data

4. Industry association job reports

5. LinkedIn job postings and requirements

Verifying Salary Claims:

1. PayScale.com

2. Glassdoor.com

3. Salary.com

4. Bureau of Labor Statistics wage data

5. Professional association salary surveys

Employment Statistics Databases
Government Employment Data:
• bls.gov/oes (Occupational Employment Statistics)
• careeronestop.org (Sponsored by U.S. Department of Labor)
• census.gov/topics/employment.html
• stats.bls.gov (Bureau of Labor Statistics)

How to Use BLS Data:

1. Go to bls.gov/ooh

2. Search for your career field

3. Note median salary and job outlook

4. Check "How to Become One" section for education requirements

5. Compare to school's promises

Licensing Board Information

Finding Professional Licensing Requirements:

1. Search "[Your State] + [Profession] + licensing board"

2. Check state government websites

3. Contact the licensing board directly

4. Ask about education requirements

5. Verify if your school's program qualifies

6. Get written confirmation if school was not approved

Common Licensing Issues: • School claimed program prepared you for licensing that it didn't • Program wasn't approved by licensing board • Additional requirements not disclosed by school • School's accreditation wasn't recognized by licensing board
EMERGENCY RESOURCES
If Your School Closes Mid-Enrollment
IMMEDIATE ACTIONS:
Closed School Discharge Info: studentaid.gov/discharge-application/closed-school
FSA Information Resources: 1-800-433-3243

Closed School Discharge Process:

1. Apply within 120 days of closure (or 120 days after withdrawal)

2. Do not complete your program at another school through a teach-out

3. You may be eligible for loan discharge AND tuition refund

4. Keep all documentation of your enrollment and payments

Financial Hardship Resources
National Endowment for Financial Education: nefe.org
Financial Counseling Association of America: fcaa.org
211 (Dial 2-1-1): Local resources and assistance
Free Financial Counseling Services:
  • National Foundation for Credit Counseling (nfcc.org)
  • Financial Planning Association pro bono programs
  • Local credit unions financial counseling
  • Community action agencies
  • United Way financial stability programs
  • Emergency Financial Assistance:
    • 211.org (local assistance finder)
    • benefits.gov (government assistance programs)
    • feedingamerica.org (food assistance)
    • liheap.org (utility assistance)
    Mental Health Support
    Crisis Text Line: Text HOME to 741741
    National Suicide Prevention Lifeline: 988
    SAMHSA Helpline: 1-800-662-4357

    Finding Affordable Mental Health Care:

    1. Psychology Today therapist finder: psychologytoday.com

    2. Community health centers: findahealthcenter.hrsa.gov

    3. University training clinics (often low-cost)

    4. Employee Assistance Programs (if employed)

    5. Religious/community counseling services

    REMEMBER: Dealing with school fraud and loan issues is stressful. It's normal to feel overwhelmed, angry, or anxious. Professional support can help you navigate this process more effectively.

    QUICK REFERENCE - EMERGENCY CONTACTS

    Borrower Defense Hotline:
    1-855-279-6207
    FTC Complaint Line:
    1-877-382-4357
    CFPB Student Loans:
    1-855-411-2372
    Crisis Support:
    988 or Text 741741

    Remember: Knowledge is power. Use these resources to build the strongest possible case!