Many young Americans are made to believe a college degree equates to guaranteed employment or that a diploma somehow ensures a fiscally stable future. Yet for many graduates who are unemployed, or for the tens of millions who are burdened by student debt, the inverse is true. Student debt in the United States today totals about $1.3 trillion, and that amount continues to propel upward at an alarmingly steady rate.

Yet a glimmer of hope exists in the form of a new law that some students are using to challenge universities that promise results and don’t deliver.  In July 2015, the FTC announced that it had issued University of Phoenix owner, Apollo Group, a “Civil Investigative Demand,” and would be looking into the use of potential deceptive advertising, sale or marketing of Apollo’s services to students.

Call 855-580-NEST (6378) if you want to be considered for loan forgiveness.

The upward trending volume of student debt becomes more worrisome in light of unemployment rates in the United States. The good news is that, in recent years, the overall rate of unemployment in the United States has steadily declined from 9.9% in December 2009 to just 5% at the end of 2015, according to the Bureau of Labor Statistics. The bad news is that according to the Economic Policy Institute, the rate of unemployment among young graduates is 7.2%, despite a recovering economy.  According to a Washington Post investigation, the unemployment rate for University of Phoenix graduates is substantially higher.

Labor Force Statistics from the Current Population Survey

According to the law, which bears the clunky name 34 CFR 685.206 (c), if a student in debt qualifies for one of the somewhat vague borrower defenses, which could include long-term unemployment post-graduation, the indebted graduate may be entitled to an exemption from repayment, or a full or partial refund.

“If the borrower’s defense against repayment is successful, the secretary notifies the borrower that the borrower is relieved of the obligation to repay all or part of the loan and associated costs and fees that the borrower would otherwise be obligated to pay,” the law reads. “The secretary affords the borrower such further relief as the secretary determines is appropriate under the circumstances.”


Call 855-580-NEST (6378) if you want to be considered for loan forgiveness.

Court cases arguing the injustice of student debt are not the first sign of a stirring sea change. State officials, politicians and even President Barack Obama have voiced a need to make college affordable for all young Americans.

To address the issue on a larger scale, the Obama administration hasn’t been totally inert. In December, the government program Revised Pay as You Earn, or REPAYE for short, became available to millions of young people in America. Before the December update, only low-income Americans with debt or students who borrowed money after 2007 were eligible to apply for the debt forgiveness program.

“We have to make college affordable for every American,” Obama said in his final State of the Union on Jan. 13. “No hardworking student should be stuck in the red. We’ve already reduced student loan payments to 10% of a borrower’s income. And that’s good. But now, we’ve actually got to cut the cost of college.

“Providing two years of community college at no cost for every responsible student is one of the best ways to do that, and I’m going to keep fighting to get that started this year. It’s the right thing to do.”

Call 855-580-NEST (6378) if you want to be considered for loan forgiveness.

Join the discussion 68 Comments

  • Les Glover says:

    I went to UOP from 2009 to 2013 and earned a bachelor’s degree in Business. I was hoping to land a job in the field of information systems. After graduating I applied for. A position with Menards in which the Bachelor’s degree was required in the Manager Trainee Program. I got the job, however, it only paid what I made 20 years without a degree. So basically, I went over $40,000 in debt, and can’t afford to the payments on the student loan with the job that degree got me. I have other debts to pay first and by the time I get to the loan payment there is no money left. How can I get ahead this way? I now no longer work for that company so I am caught in the adage of being between a rock and a hard place.

  • Robin Counts says:

    I did online with at first Apollo then it changed University of Phoenix I believe back in 2005.Started with Associate degree in Healthcare Administration. And finished with Bachelor degree in Healthcare Administration. I’m not sure when I graduated both. I’m not in front of my Diplomas right now. I haven’t been able to get a job with my degrees .

  • Les Glover says:

    I went to UOP from 2009 to 2013 and earned a Bachelor’s degree in Business. I was hoping to land a job in the field of information systems. After graduating I applied for a position with Menards. The Bachelor’s degree is required for the Manager Trainee Program. I landed the job, however, it only paid what I made 20 years ago without the Bachelor’s degree. Basically, I went over $40,000 in debt , and can’t afford to make the payments on the student loan. I no longer work for Menards and have not landed another job since. I work as a handyman as a sole proprietor which is seasonal work and that without benefits except for time management. I want to find that job that pays my regular bills and enough to make the payments with a little left over to save. How do I do that. Filling out applications after applications is getting old, but can’t afford to stop.

  • Dawana McAfee says:

    I had a decent job driving a bus before starting at UOP, but since graduating, I have not been able to move up in the company. Basically, I wasn’t taught what was needed to advance within the company. Now with over $45,000 in debt, I have a bachelor degree that is worthless.

  • WF says:

    My biggest problem next to the lack of jobs accepting my degree was the continuous shuffling of advisors and the inability for them to communicate with one another. This causeed me issues with my student loans and i was forced to drop classes. Which resulted in loss of my student loans. I have to complete classes out of my own pocket to regain a qualifying stautus for my student loans.

  • Dave says:

    I was sold on the concept of a double degree at UofP. I woke up $30,000 poorer, no usable skills learned, and a useless degree.

  • Michael Puckett says:

    I was told that a BA in healthcare administration would be a great help. It did NOTHING to assist me. So, the enrollment counselor talked me into taking a MBA–that also did NOTHING to advance me in my career as a nurse. So, I took a 2nd Master’s program in Nursing. This time it worked. So, now I am paying for two degrees that got me nowhere. I should have been directed to take the MSN degree to start with and I would not be in debt at over $140,000.

  • Penny Puckett says:

    I got my Associate degree and I could not find a decent job anywhere. Now I’m $50,000 in debt, and I can’t get out of this mess. Don’t get me wrong I love UOP, but the debt is killing me. I have no income except for my husband disability and that’s not much. I can’t pay my loans cause I HAVE NO money coming in!!!! period.

  • Denise says:

    I am attending UOP as well. Although I work in the field of Human and Social Services I was told that I could get my license once I began working on my Masters. Well I found out that you have to attend an on campus school. I live in NJ. I feel that I was deceived. I have 9 more classes to go and I have thought about transferring to another school but that would only cost me more money and more time. I am a 55 year old women I would have liked to have completed my MSW before turning 60 God Willing.

  • Iris Ireland says:

    I have over 15years experience in the mortgage industry. I still could not get promoted after earning a BS in Management from UOP. Employers didn’t take my degree seriously. My $50,000 BS degree has become just that…BS!

  • Stacy says:

    Maybe it’s worthless at that specific company, but I am positive that it has value to another company somewhere else, aswell as your years of experience. Do not lose hope! Best wishes!!

  • Aleta Hidinger says:

    I had a administrative assistant position while going to UOP from 2005 to 2009, I have a Bachelors in Business Management Degree that is worthless . I still have an admin job because I do not have the experience I need to move up. I am 62 years old with over $40,000 in loan debts. On my income I can’t even afford to pay on my loan.

  • Barbara Sampson says:

    I too have not been able to advance in my employment field as a Traffic Officer. Eventually I had develop health issues unable to work outdoors. After an intense job search seeking employment that will place me indoors I have not been very successful. An entire year search and no results . Imagine that!

  • Jason Hoff says:

    After graduating from UOP. I have been unable to find a job in a field suited for my degree. I am still in the same line of work. Doing the same thing I was before going to UOP. I graduated in 2013. If I would have known this I could have saved my self 4 years of time spent writing papers, and $ 52,000.00

  • Richard Kennady says:

    I entered UOP while working as a high tech manger, decent salary, wanting to move up the ladder, but as most tech companies is bellied up i was laid off after committing. Then loans kept coming, so i stuck it our, worked various low wage jobs to make ends meet, when the loans died up and one course later I was broke GPA. Not completing is worse than not attending it can be read in may ways. I feel black listed from work I am experienced to performed and get paid and a chance to achieve my goal CEO. I even tried to go global, lost my butt in Brazil, now I am back, broke, on food stamps struggling to get back into management. But I have perhaps 25K of debt standing in from of me. I am glad to see I have some recourse.

  • Sally says:

    My degree is worse than useless – it’s nonexistent. Years after I graduated I had a potential employer ask for a copy. I never paid to have a copy sent to me back when I graduated, so I contacted a UOP office. I found out someone “forgot” to add in 2.6 credits from a community college that I needed to complete my program. I was told that since its been over 5 years I would need to take most of the classes again! I said no thank you and hung up. Without a degree. Did not get the job I was applying for. Still have a huge student loan.

  • Beth Fox says:

    I obtained a Bachelor’s of Science in Health Administration through the U of P. I have been unemployed and unable to obtain a good job for 5 months now. I am confused, my education means the world to me and is not helping one bit right now.

  • Steve says:

    Welcome to the club, Dawana! 🙁 I even left comments on my class critiques calling into question the curriculum as being relevant to today’s business/technology environment. However, due to having to take the required classes first, I already was 30k in debt, so I was not about to stop without a piece of paper. This piece of paper serves as a symbol confirming what I already knew before spending 56k.

  • LOL says:

    Sounds like your company doesn’t want to teach you the ins and outs.. you don’t just start a job knowing what to do and their procedures they train you. LOL

  • Sharlyn says:

    I am in a similar situation. I have the same type of employment I had prior to earning a master’s degree. I cannot get a better job now and am stuck earning $30,000 to $40,000 next to people with a high school diploma.

  • Michelle says:

    They are trying to charge me twice the amount they quoted me. Plus no job in the field that I went for. They could have done so much better but totally failed me a student. Rip off, it was a total disappointment and waste of my money, what little I do have! Stay away from UoP!

  • Tony says:

    I dropped out UOP because they told me the Axia campus computer lab and tutoring was free ended up with $1400 debt and can’t get into college without repayment.

  • James says:

    A degree is a piece of paper. Actions advance your career.

    MHA: UOP student – Program Director

  • Misty says:

    I went to UOP from 2005 to 2009 to finish my degree and graduated in 2009 with a BS in Business Administration. Though I held high GPA and knew what to do, no jobs seemed to take me seriously when UoP was the school I graduated from, now here it is 2016 and I am STILL Paying off the debt!

  • Peg Eger says:

    I am in the same boat! I started at a wage in made 30 years ago.

  • Jennifer Dodds says:

    I went to both Axia and the University of Phoenix online. I got an Associates degree in business and a Bachelor’s degree in healthcare administration. I feel completely unqualified for many of the jobs available and I am making now 1/2 of what I have made the last 20 years.

  • Frank Bedoya says:

    I’m 49 years old now and graduated from UoP in 2011 with my degree in business also. Here we are 2016 and i still don’t have a job using my degree and i’m also 40k in debt. Does any know how we go about fighting this according to the article?

  • michele says:

    I went to UOP for my associates program then transferred to Everest University both of which were online. All of my degrees: associates, bachelor’s and master’s are not worth the paper they are printed on. Why? the colleges promise you a job and say they are going to help you find a job after graduation. That has yet to happen for me. i know the student loan debt all to well: my debt including all three is well over 100,000.

  • Edward Stuckey says:

    I feel you, I am no better shape than I was before!

  • Sandra says:

    I was advised to do a double degree in criminal justice which lead to nothing other than debt. This is the hardest time I have ever had finding employment. Considering my age, the advisor done nothing other than see to it that I remained broke and in debt

  • Angelique says:

    I was halfway into my doctoral program at UoP when it dawned on me that I was going nowhere and the the MBA I earned there is worthless. I’m 90k in debt working in a call center… thanks UoP.

  • Rodger Mitchell says:

    I had a bachelor’s B.S. in criminal justice prior to working in Corrections and earned my Masters MS. while employed thinking it would give me an advantage in promotion. I am now a Probation/Parole officer and have not seen any advantage over having a BS.

  • Heavenly Morris-Johnson says:

    I graduated from UOP in 2011 with a bachelor degree in business management and was promised that it would land me a management position in a great company well guess what I AM still in the dead end position I started in because the company I work for no longer acknowledges a degree from University of Phoenix and I am 107000 dollars in debt for a degree that is no flipping good.

  • Sherri says:

    I started out at community college and then enrolled in UOP. I was working 8 hours and then going to school at night never getting home until 11:30 pm so I thought the online approach would since I was a single mother of 4 children, I started UOP in 2008 and graduated with my BS in Psy in 2011 and then continued with my MS in crim justice and graduated in 2012.. I thought I was going to finally get ahead and be able to take care of my children with a job in my field .. I have yet to find a job in psy or crim justice. And now I am faced with some serious health issues and cant work at the moment but that doesn’t stop the $94 thousand dollar student loan from calling me monthly .. I don’t know where to turn who to call or how to get help, how do you pay 1600 a month in student loans when all you get a month is 400?

  • Kara Conner says:

    I obtained a Master’s in Healthcare Education in 2007 at UOP. I can’t get a teaching job to save my life and I’m now overqualified for anything else. Despite what they said about helping me find a job, I got no help and when I applied for a teaching post with UOP, I was told I wasn’t qualified because I had no experience! And now after paying off the loans for 10 years, I still have nearly ALL of it to repay since the damn companies take my payments for interest before any principle is paid. Totally disappointed with University of Phoenix.

  • Truth Hurts says:

    Anyone who thinks that going to college will automatically result in gainful employment is completely stupid. You deserve to be 40k in debt. Enjoy it!

  • Susan Flavin says:

    I know what you are going through. I did classes on line. I now have three different places harassing me claiming I owe various different amounts.

  • Scott Frost says:

    I received BS and MS from UOP and that and $10 will get me Starbucks coffee. But it’s not just young students this has affected. I didn’t go back to school until I was 45 and now I’m $76k in weeds. Help!!

  • Dennis Keegan says:

    Be honest. Your degree did not cost 140k. You chose to borrow above and beyond what your tuition was.

  • JA says:

    I am in a similar boat as everyone else. I had to pursue a doctorate degree at a reputable institution to even be considered. Even still potential employers will look and see the UOPHX degrees and not consider you for employment because of everything going on in the news. I know, just as much as all of you, we worked very hard. When I was there in the late 90’s, early 2000’s, I actually took courses at the campus. We worked in teams and it was a great learning experience. Obtaining a full time position is next to impossible even though I have been teaching online for over eight years and I’ve worked in K12 for over 10 years. I’ll never make enough to pay everything back.

  • Shanon says:

    I graduated with associates degree in Human Services in 2012. I never even received a copy of my degree nor got any aid in a job in my field. I am now being harassed over the loans! This needs to stop! No one deserves this.

  • Kai says:

    I wouldn’t fault the school. I went to UOP and received a Bachelor’s degree in Criminal Justice Administration and was able to find several great paying jobs. I am now a school teacher/ex cop making a great salary. If you get a degree in a profession that is not progressing or full of opportunities than you are wasting your own time and money

  • Jody Cantu says:

    I received my MBA in Human Resource Management in 2014. I owe $140,000 in student loans (not all from U of P) but regardless I cannot get a job in HR Management even when they only want a BA. I can’t even get hired at the 4 year school I went to (CMU) how sad is that? I in no way can afford to make the required student loan payments of nearly 1,400.00 a month! So discouraged and devastated that I fell for the hype of getting an advanced degree for a better job…..

  • Mary vallee says:

    I am a student now at university of phoenix. I am getting my associate in administration of emr I hope to find a job these post are not promising to me

  • Karen Weller says:

    I attended UOP from and received my bachelor’s degree in business in hopes of catapulting my career. Here I am in the same job that I had when I started to find out my degree is useless…But they took $45,000 for that useless piece of paper.

  • Rhonda says:

    I graduated from UofP in 2010 with a degree in Psychology. I have been laughed at and told the degree isn’t worth the paper it was printed on, much less the ink that printed it. I have $30,000.00 in student debt and a useless degree. When I talked to the Dept. of Education about it they pretended they didn’t know the degree is worth nothing. The whole thing is a scam that the lenders, the school, and the government are all in on together. I will never be able to pay my student loan debt.

  • Amy Luedke says:

    I started at UOP in 2009 it took 3 months hesitating going there because I had a bit of learning disability especially in math and knew crap about using a computer. I was told I could get an Early Ed degree to be an Assistant Teacher use it in my state of WI. A year half into school I found out on news I couldn’t that they were deceiving people. So I called my enrollment advisor other advisors asking wtf and I got oh they just informed us as well or we don’t know what ur talking about. They offered me a Paraprofessional Ed degree in Asst Teaching similar degree okay I guess cause I wasn’t quiting to pay loans back for nothing. So I went on they started taking away basic math classes something I worried about because of my disability in math. They kept talking me into taking more loans out they took grant money from me to pay for classes when I was told I had enough loan money. They lied to me about interest. I fought with them for 4 years after the news of deception. I tried transferring credits to other schools they laughed at me I was stuck. I had to take a year off to get as close to prepared as possible for the algebra classes which almost put me over graduating on time. My advisors were liers and not very helpful. Funny thing closer to my graduating they kept calling me trying to get me into a Bachelors in social work why I don’t know. I basically said go fk ur self I’m done with ur fkn school. Since graduating in 2014 I have yet to find a real Assistant Teaching job just subbing and I did land a part time special ed job with no benefits period of any kind. I can’t pay my loans back I keep deferring. I hate this job I don’t know wtf I’m doing because this school didn’t prepare me or teach me what I need for this career choice. People laugh at my degree no good job takes this degree seriously my gosh other colleges don’t take this degree seriously. I’m in debt for crap jobs for a crap education. I was deceived and I tried calling this lawyer for stuff like this and he said u got a degree option u took it and u have no proof they deceived u. I believe it was Attorney General of Phoenix, Az. I was and am pissed.

  • Amy Luedke says:

    Shanon, I too am being harassed to pay my loans keep putting on deferment. This college screwed me with lies. I’m sick of it.

  • Nancy says:

    I went to UoP from 2011-2015 and earned an Associates and Bacholers Degree in Healthcare Administration. When I first spoke with my counselor about my Bachelor courses I noticed that he kept saying principles when talking about courses. So I asked why does he continue to say they are principles if I want to learn the full aspect of that subject? Well after basically promising that they where just called that and that it taught every detail needed. I am now unemployed in the field where I went to school for, still, after graduating a year ago.. The only way I make it to get some form of income is because I am self employed. Which I could have done from the beginning and saved myself over $55,000 in student loan dept, (without the APR). I knew I shouldn’t have trusted my Academic Advisor, he basically conned me into increasing my student dept by lying to me. It’s sad to say I gave up on applying for jobs that i should be qualified in because I went to school for it. But in the end does nothing for me because UoP seems to have a bad reputation for its students rates in obtaining jobs after graduation.

  • Amy Luedke says:

    oh yeah they promised my classes would never rise after each class they kept climbing in price. They tell u how much loans to take out for the number of classes than say oh u didn’t take enough out we need ur grant money now or ask for more money. This college fkd me over.

  • Marlene Banton says:

    I am a graduate from UOP as well with a degree Business Management that puts me into $43,000 in debt. No one is taking that degree and you surely can’t find a a job to utilize it. How am I supposed to pay this loan back making less than what the degree cost

  • Michele says:

    I completed a double bachelors in Health Services and Management. Then I started working on my masters but quit because I’m already $50,000 in debt and I can not use my degree to advance, and I can’t afford the monthly student loan payment. I’m 51 yrs old and will never use the degree or be able to pay it off.

  • Racheal says:

    I went to the University of Phoenix from 2005-2014. I earned 4 degrees. Associate in health administration, bachelors in psychology, masters in psychology, and masters in administration of justice and security. I have $158,000 in student loan debt. I have tried for many years to use my degrees to get a better paying job and still cannot seem to find one. I have called the University for help in obtaining a job and they do not help. I am currently a cashier part time making $8.05 an hour. This was not my idea after spending g so much time obtaining my degrees. It’s not right.

  • johnni says:

    I also went to uop and loved it, learned quite a bit. I have a degree in health administration. I did actually land a job with the degree the problem is the issues the employer was having with their organization. My point is all graduates from all different schools are finding it hard to land jobs. So you can not just single one school out. The economy has been getting bad for years and it has been harder to land jobs. I think its great that there is things in the works to assist with student loan debt,but again its not just one school.

  • Wanda Addison says:

    I started University of Phoenix in 2007 with a bachelors degree in Business Administration. I took a break to raise my children when I started back in 2010 I was told that I had to start over with an Associates program. I graduated with an Associates in Healthcare Administration. I found myself taking the same courses only with a different course number. I was told I took them at the associates level and I had to take them again at the bachelors level. I think they charged me twice for the same degree. I used up all of my federal student aide trying to get my degree from Phoenix.

  • Madelyne Gonzalez-Uehara says:

    I graduated in May 2001, and I still can’t land a job to utilize my degrees. I have two master degrees;
    MBA- Human Resource
    HCM- Healthcare Management
    I also have a BA-Information Technology graduated on 1996.
    I started to pay my student loans when I started my master degree for 15-years and now I have over 110,000.00 dollars in debt. I have been paying for 15- years and it didn’t do an indent in my loan. How can a single mom and a widow to make ends meet?

  • Wanda Addison says:

    I agree Karen it costs too much to not have a career in the field of study.

  • Joanie says:

    I graduated in 2011 earning a bachelor’s in Psychology. I have not found a career in my degree and I’m 63,000 in debt. Can’t make my loan payments because I only make minimum pay, and have to pay my living expenses first, after that, then I’m broke. Thanks UOP, for nothing but debt.

  • Kelly says:

    $100k was what my loans were until I was unemployed in 2008. Every month you are on deferment or forebearance they just add that months interest to the I owe $125k with payment of $850 a month. I do work but at 58 I am not saving for retirement I’m paying my student loans. BA and MAOM. Makes me sick that for all that money and what I felt was good education, the school has absolutely no credibility with employers. I went when it was all classroom learning, graduating in 2001.

  • Ida D says:

    I went to UOP from 2004 till 2008 and got a Bachelors and Master degree and still only making money that I made 30 years ago. My advisor told me that was bachelor degree would not really help me in a managerial position and that I needed a master degree. As of this date I am making pennies and now enough to cover the 100,000 plus. My degrees mean nothing to these companies.

  • Tamika Hampton says:

    I went to UoP in 2013 and it was the worst mistake I’ve ever made. After being fed up with mediocre lessons and outdated materials, I put in a withdrawal notice for the school. Suddenly, they claim that I owe them $900 for a class that I never dropped out of or took. They are still heckling me for $800 MORE and preventing me from getting my official transcripts so that I can go to another ACCREDITED university. Now I’m 24 years old and have $7000 in debt that I can’t pay off because I have no degree to show for the two years I wasted in their IT program.

  • Frank Damewood says:

    I got a BA in business/accounting within the past 6 years. No internships we available once I entered my final core accounting classes. I personally know partners in accounting firms, and I could not get hired. I applied to various business’s but didn’t have any success. I was told by one of the accounting instructors that the school only teaches just enough to be credited. The do just enough. Well, with no internships and just enough practical information, how can I even compete for a position. Now with 43,000 in debt and 200 dollars a month in accrued interest, if I goon the 30 year plan of reduced payment, I’ll pay back an astronomical 85,000. Again, I know partners in accounting firms that would not hire me. That says much about the piece of paper I bought.

  • I went around the same time, got my bachelor degree and now owe 80,000 and i applied for a job in the hotel industry which is why i went to school in the first place. They wanted to start me out at 8.00 an hour. Really how can I even survive on that.

  • Carla Pruett-DuBois says:

    Same boat to the tune of $130,000. Had to get out of bedside nursing altogether because I just couldnt pay the bills anymore. Of course the bill collectors dont care. Now Im stuck on an income based repayment program for my student loans where a ridiculous amount of my monthly pay goes to pay for a degree that I have never even been able to use. Thanks UOP for ruining my career and my financial freedom.

  • Doris says:

    UOP Sadly is a non accredited school. With my Associated Degree in Health and Human Services I was told by almost every possible employer STATE I might add. That unless I had the degree from an accredited college that it’s just a piece of paper.

  • Anita Stevens says:

    I also went to UOP and graduated with a Bachelor’s Degree in Business Management in 2009 (finished but they did not create and mail me my degree until 2010). I met with the Enrollment Counselor (Michael) in hopes of enrolling in Accounting. Unfortunately, they required Accounting Classes to only be done online, which made me uncomfortable; thus, I declined enrollment. However, Michael kept pressuring me, saying that I should go for a Business Management degree by taking ground and online classes. He convinced me to do it by guaranteeing (he actually said, “I guarantee..”) that doing so would open doors for me that would otherwise not be opened, even just by showing on my resume that I was a UOP student. Unfortunately, those things that he guaranteed me were straight out lies.

    Even though I became a UOP student, plus completed my Bachelor’s degree, no such doors have been opened for me. Regardless of all the countless applications that I have filled out for jobs, I struggle to find one which pays enough money to get me out of the “low-income” status as well as enable me to pay off my UOP debt that totals over $30,000.

    Actually, it is a struggle to get any job. In reality, out of all those applications, I only received one response. Therefore, I took that job of driving for a taxi service because it was the only paying opportunity that was offered to me. The pay doesn’t even equal $10 an hour, and I have to pay my own taxes as a sub-contractor, which also means I do not have Health insurance, other than that which the government requires me to take (Medicaid).

    I regret that I went to UOP and into debt for it. At this point, I cannot foresee ever being able to pay off that debt, unless of course I receive an unexpected miracle some day, such as a great paying job or full student debt forgiveness.

    • admin says:

      Hi, Anita.
      We would like to provide you with accurate and detailed information on your eligibility for student loan forgiveness. Give us a call at (855) 500-7025, Mon-Fri, 7am-6pm PST. Once you get in contact with our advisers, they will ask you for some personal information to check what options you currently have and give you a free quote. Right from there, it’s up to you whether you want to enroll into the program you qualify for or not. We’d be more than glad to assist you!

  • Charlotte Brewer says:

    I attended UOP in 2006-2008. I was studying Medical coding and Billing. I received my Associates Degree but was not able to get a job due to no experience. Now I have a 21,000 bill that I owe for a degree that I cannot use.

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