Miami-Jacobs Career College Closed All Locations
As you may already know Miami-Jacobs Career College another for-profit school closed all campuses in Columbus, Dayton, Sharonville, Springboro, and Troy.
After more than 90 years Miami-Jacobs Career College reported that it will no longer accept new students on all campuses.
The school offered degrees in nursing,cosmetology,healthcare,accounting,criminal justice, and graphic design. The school also declined to comment on how many of these students were going to be affected by this situation.
Miami Jacobs officials said that they were going to help students transfer to Fortis College and Brightwood (formerly Kaplan) College if they wanted. The issue here is that those schools are also for-profit colleges and now they all closed leaving students with the same problem a student loan debt and no certification or job placement as they promised.
If you attended Miami-Jacobs Career College or any other for-profit school in this article we will be providing you with information on what options you have for your student loan debt.
Miami-Jacobs Career College Lawsuit.
In 2008 three students who recently finished a surgery technology program in Columbus say they are stuck waiting until the school earns accreditation before they are eligible to sit for a national certification which is required by many employers across the country.
Miami-Jacobs officials said “each student was made aware when they were admitted into the program” of its accreditation status. “They were subsequently informed in writing and then reminded in letters, one-on-one meetings, and small group meetings. Any claim to the contrary is not true.”
After Miami-Jacobs officials statement the three students Yolanda Walker, Amanda Miller and Melissa Dickinson say the school was not up-front initially about the accreditation and they only learned months after they enrolled of the program’s status. “They said they were accredited when the lady registered me for school,” Walker said. “Come to find out last September that they weren’t.”
These claims led to lawsuits and the school paying five students more than $100,000 worth of settlements.
Miami-Jacobs also lost accreditation of its respiratory care program following the lost of the accreditation In January 2011, the Ohio Board of Nursing withdrew approval of the school’s five-year-old practical nursing program, citing “recurring deficiencies related to a disregard for the students.”
Miami-Jacobs Career College is also part of a multi-year investigation by states attorneys which found For-Profit Colleges:
- Fail to distribute financial aid
- Misled students about their accreditation
- used emotionally charged language to pressure students into enrolling in their schools;
- deceived students about the total costs of enrollment by instructing its admissions representatives to inform prospective students only about the cost per credit hour without disclosing the total number of required credit hours;
- misled students about the transferability of credits and promised that certain credits could be transferred when they could not;
- misrepresented the potential for students to obtain employment in the field by failing to adequately disclose the fact that certain programs lacked the necessary programmatic accreditation; and,
- gave prospective students a distorted and inaccurate impression of graduate employment outcomes.
How to get Miami-Jacobs Career College Loan Forgiveness.
Now there are two options for you to possibly get a full student loan discharge and hopefully a refund on any payment made toward your student loan.
The Borrowers Defense To Repayment.
Anyone who attended a for-profit school and committed fraud either by lying about their accreditation or false advertising about job placement or any other type of fraud against them is eligible for loan forgiveness or loan discharge via The Borrowers Defense To Repayment.
This Program was created by the Federal Government to protect students who were defrauded by their college institution with job placements and incentives to enroll in their college.
Keep in mind that you will be filing a claim against the school and will need to support and link all the college fraudulent activities with your personal situation. This means that all you need to do is prove that the college lied to you and explain why you deserve to receive a discharge.
Also, be aware this application requires time because you only have one chance, making sure you do it correctly will help you have a good chance of having your student loan forgiven.
Examples of For- Profit Colleges Illegal Marketing Activities.
- Misrepresenting their job placement rates. For example, telling prospective students that 100% of their graduates in a particular field could find a job within the first month after graduation
- Misrepresenting the quality of a program by telling students that they will be able to easily pass licensure exams in their field after completing a degree from Miami-Jacobs Career College)
- Pressuring vulnerable, low-income students into taking out huge loans in order to pay the tuition cost for one of their sub-standard education programs
There are more examples that can be use to support your claim but these are one of the main and most important ones.
Did you experience one of these marketing activities? If yes, you need to file an application as soon as possible!
The Closed School Loan Discharge Program.
As I mentioned above, there are two ways to receive student loan forgiveness as a former student of Miami-Jacobs Career College, so if you don’t feel that the school defrauded you and therefore don’t think you’ll qualify for the Borrower’s Defense program, then have no fear, because there is another way.
The Closed School Loan Discharge Program is your second best way to qualify for a Miami-Jacobs Career College discharge, and it was created for students who were still attending the school when it shut down.
The nice thing about Closed School Loan Discharges is that you don’t have to do any legal wrangling or convincing via arguments and evidence because Closed School Discharges is a binary thing – if you were a student who left the school no more than 120 days prior to it’s closing (or if you never left it at all, but were still studying at the time of the closure), then you qualify for a complete student loan discharge.
And that’s a great thing for those of you who were left in the cold when Miami-Jacobs Career College shut their doors!
How Do I Apply for a Closed School Discharge?
To apply for the Closed School Loan Discharge program simply fill out the application and submit it to the people who service your loan.
The people who service your loan are the ones that send the money to via your student loan payments every month.
Every loan servicer has a different procedure in place for processing these applications, so you’ll need to find out what your servicer requires before you can determine how to proceed.
After you submit your Closed School Loan Discharge application, your servicer is legally obligated to inform you of their process, and then as long as you qualify for the discharge, and you follow their instructions on what to do next, you should get your debt fully forgiven.
Conclusion
Finally, remember every case is different, and if you are still unsure whether you qualify or not a trusted and professional financial advisor can help you better understand your options.
