May have discovered THE student loan kryptonite

[boston...@gmail.com]

Hello Everyone!

A few months ago I applied for and denied a false certification
discharge of my loans despite meeting all the criteria. Therefore, I
began researching why my discharge was denied despite meeting the
legal criteria and providing more than enough documentation. Through
my research I uncovered MASSIVE FRAUD that affects not only me but
THOUSANDS of students. Because of the massive fraud I found I filed a
federal lawsuit against several lenders and guaranty agencies. I also
believe there is now more than enough ammunition to drastically change
student loan legislation ASAP! Here's what I discovered:

Wachovia offered FFELP Student Loan-Backed Promissory Notes originated
through Wachovia Education Finance to foreign investors ONLY in June
of 2006. The investors received the promissory 'notes' they
'purchased' on or about June 29, 2006 in book-entry form; and in
August 2006 the securities were registered with the Irish Stock
Exchange. But, at the time Wachovia offered the promissory notes and
investors purchased no promissory notes existed. Therefore, when many
of you like myself filled out and electronically submitted the
Wachovia Education Finance Stafford Loan applications/Master
Promissory Notes. Upon receiving the applications/MPNs Wachovia
Education altered the information on the application/MPNs ior in some
cases filled out new applications/MPNs with completely different
information so the the stafford loan applications/MPNS would conform
with the fraudulent 'notes' investors purchased back in June. Meaning
the majority of the promissory notes RE FRAUDULENT and if you have had
billing, delinquency errors, wrongfully applied or lost payments,
discharge denials, and bankruptcy discharge denials they could be
UNENFORCEABLE!!!!!

Thus, Wachovia used the federal student aid they received for
2006/2007 to cover the money they took from investors for promissory
notes that did not exist.

Lastly, the offering memo was signed off on by McKee Nelson
LLP.....which is the same firm that did the Goldman Sachs deal the SEC
just sued them over. Since then they've been using their guaranty
agencies and servicers, American Student Assistance and American
Education Services, who are listed in the offer memo sent to potential
foreign investors to cover up the fraud...which is why many of you
have had so many problems with missing payments, erroneous amounts
owed, erroneous days past due, wrongful defaults and denial of
bankruptcy discharges

Fitch placed the Wachovia Security along with other student loan
trusts (like Sallie Mae) under review....i.e. they probably suspected
some fraud. In turn, Wachovia lied about the status of some of the
loans by saying they were past due or in default when they weren't so
they would get a good review from Fitch.

So..Your student loan may be FRAUDULENT if:

If your federal lender was Wachovia Education Finance;

Your servicer is American Education Services and ;

Your guaranty agency is ASA.

I say we jump ALL OVER THIS and demand Washington ACT NOW!!!!! This is
basically the same thing with the mortgages just replace deeds/
mortgages with student loan promissory notes! I've already started by
filing my suit and I'm not stopping until something is done about the
unethical unscrupulous lenders, guaranty agencies, and servicers!

[Dustin Logan]

Really, this is nothing new. Back in the 1990's, after EdFund
played the same games with my disability discharge, I did the same
research. I found similar FRAUD involving Corus Bank of Chicago (the
most recent "holder" of my loans). In fact, they were actually sued
for fraud! I believe that the case number was "23 C 2300", and it was
tried in the Federal District Court of Northern Illinois.

But, ultimately, the federal government just swept the whole
thing under the rug. Corus was caught stealing millions. Yet, they
got no more than a quiet slap on the wrist. Honestly, I hate to say
it, but the courts don't give a damn about us. Like the rest of the
power structure, they care only about those with money. I fear that
more drastic action will likely be needed.

Dustin

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[boston...@gmail.com]

I forgot to mention in my original post that the newly appointed head
of Federal Student Aid at the Department of Education is the former
head of Wachovia Securities. The blatant conflict of interest may
explain why many of our complaints about unethical lenders, servicers,
etc and requests for intervention continue to be ignored by the Dept
of Ed.

On Jun 17, 1:10 am, "bostonlawg...@gmail.com"

[null null]

I think you are definitely onto the trail! : AES & ACS both were the servicers way back before Wachovia purchased/took over Educaid. They were the entities entrusted with numbering the student loans as far as billing went. Loan numbers were comprised of one's social security number and connected with a dash to a sequential number. For example: XXXXXXXXX-1, second semester/loan would be XXXXXXXXX-2, etc. Only, when AES became ACS  - and probably long before 2006 , they were selling these things, ACS did a little renumbering. However, some were regrouped and others left in original sequence; 3 or 4 loans were lumped together then numbered XXXXXXXXX-4 BUT the original XXXXXXXXX-4 was given a later sequential number such as XXXXXXXXX-8 or higher. I have nearly all of my original loan payment stubs and bills & this shell game that you describe fits the renumbering mess to a T.   Without that original documentation it's nearly impossible to pin it on them but I'm sure I'm not the only person who saved all their billing material for nearly 25 years;-)

I'm wondering how SM could have gotten my loan & now I'm thinking that SM was fully aware of Wachovia's selling of the notes because AES/ACS serviced SM loans as well. - I think back at that time, they serviced all FFELP student loans. SM knowing that Wachovia was bogusing-up the loans, realized they could skim from that  & the student would never know who the loan note holder really was & Wachovia couldn't give hoot. SM chose defaulted loans & school drop-outs' loans under the premise they could collect directly from the student by garnishment & no one would care since the individual was in default anyway & even if the  student didn't pay up, they could recoup as a loss through gov't guarantee reimbursment.  I'm positive of this because even though I paid SM directly ALL of what they claimed I owed, they entered into my credit record "paid through insurance" - in order to hide their claim of my loan after the fact... I'll stop there before you all fall asleep ;-) But I think you definitely have the tip of the iceberg in sight ;-)

[boston...@gmail.com]

I completely agree! The fraud and corruption has been hiding in plain site, and it has continued because what wrongly defaulted student would think to check their lender's student loan trust EDGAR filings for fraud...until now! The fraud is not what puzzles me because it's just good ole greedy capitalism rearing its head. What mystifies me is the belief these lenders, servicers, guarantors have that they can screw people, take their dreams, money, assets, and paychecks without it coming back to haunt/bite them! In my case, they stopped/stalled my legal education for three years now...and like I said the chick at American Student Assistance "Let me get this straight...your not going to grant me the discharge you know I should get; you're not going get me back in school after being the sole reason I'm not in school and you expect me to pay you for this....are you crazy or am I?" The organizations that do this still don't understand the when you give people nothing to lose because you've taken everything....they're going to act like they have nothing to lose. I have nothing to do but sit at home, figure out your scheme, match it with my 30mb documentation and figure out the real story...and I nothing to lose by using it to screw u worse than you screwed me......the fact that they have yet to figure that out is what truly mystifies me.....

L. Lyn

---

From: null null <null...@gmail.com>

Date: Fri, 18 Jun 2010 21:17:35 -0400

To: <boston...@gmail.com>; <dml...@gmail.com>; <artisl...@yahoo.com>

Cc: Studentloanjustice<studentlo...@googlegroups.com>; <studentloanjusticeorg-...@googlegroups.com>; <studentlo...@gmail.com>

Subject: Re: May have discovered THE student loan kryptonite

Even though this may have  - as was Madoff's blatent fraud for so many years - been previously swept under the proverbial rug, no free ride lasts forever & we are in unique times.  AND, we are grouping together and exchanging notes. This forum provides a vehicle to express & lay out all the complicated dirty tricks that up until now, were mind numbing to most. To put it in perspective, remember when stock trading was considered a mysterious game only the rich played? - Fast forward to the 1990s & into 2001 & day trading became as common as collecting stamps. The joke was even a toddler could trade stocks. Half the seniors who sign onto the internet these days are signing on to check their TD or Charles Schwabb brokerage accounts. Times change & just the very process of publicizing this issue  - ad nauseum, will trend to the media. How many retiring in the next 20 years will be indigent because they are indebted to student lenders? - For the Federal governement, this is a massive burden & time bomb they don't want & can't afford. The majoirty of the country's population is 10 years or less from retirement age & close to a third of that baby boom bulge I'm guessing have student loans.   Why do you think DOE decided this year to enact the 10 year forgiveness? - It's not just out of the goodness of their hearts or our lobbying  - it's a financial decision to head off a second wave financial catastrophe. The Federal government can't afford to pay the student lenders any more than we can. They simply can't  afford to look the other way at the fraud & corruption any longer. I'll bet my E*trade shares on that ;-)

 

[Judy247]

I think you are really onto something here, its the same thing I'm
going thru and the names are
the same...
it would seem that the late 80's and early 90's were an especially
fruitful time for the
scam artist maggots to flourish....
In my case, my LDA for a six month course was changed from 1/88 to
3/31/88 to get me
over the 60% mark... I have documents from THEM that prove this... why
would I have several
status change reports in my file dated BEFORE 3/31/88 if I were just
sittin in class tearing up
puters????
I have two UNSIGNED/UNDATED Promissory Notes one I got for ED and the
other from Sallie Mae.
My understanding is that prior to 1993 there were TWO required at the
option of the lender...THE Application
for a GSL and a separate PNote...the one that they claim to be the
PNOTE signed has a very suspicious
area in the upper right hand corner, that doesn't match the other
font....IF anyone should have a application/
Promissory note from the 1987-88 period I would truly love to see a
comparison to this one...

I also, have two Repayment obligations, the one from ED is unsigned/
dated...THE same exact form from
Sallie Mae IS signed/dated.

I received a copy of the supposed disbursement check, the date/amount
are too light to read, the signature
area is stamped NOT NEGOTIABLE and no signature visible...I believe
this check very well might have been
one that when the school filed bankruptcy, the judge ordered that "all
the un-endorsed student checks" be
returned... this was the same time frame that all this "other
activity" appeared to be happening as well...
I would dearly love to discuss, compare my info with any that any of
you have...
I've uploaded my doc in jpg format to googles free photo site...it
makes it real easy to share them, google also picks them up in their
search engines and gets them out there further...LOL I erased my ss#,
but left my signature of that time, since there are some that are very
doubtful as to being my signature...

I just combined two different folders that I had started from last
year Jun 2009, into one and added the newest additions from Sallie Mae
that I received last week... its taken over 22 years to get this
far...I'm NOT backin down...
Check out the docs and especially the one that says GUARANTEED STUDENT
LOAN (GSL) APPLICATION PROMISSORY NOTE...I haven't had time to add
descriptions/comments yet, but will be working on that today...
http://picasaweb.google.com/home the 6/17/2010 is the newest and
contain most of the files, the newspaper articles that Sallie Mae kept
in my file from 1990 will be uploaded, plus other mis.. files this
afternoon...
Judy

that I received from Sallie Mae last week...

On Jun 17, 1:10 am, "bostonlawg...@gmail.com"
<bostonlawg...@gmail.com> wrote:

[null null]

Even though this may have  - as was Madoff's blatent fraud for so many years - been previously swept under the proverbial rug, no free ride lasts forever & we are in unique times.  AND, we are grouping together and exchanging notes. This forum provides a vehicle to express & lay out all the complicated dirty tricks that up until now, were mind numbing to most. To put it in perspective, remember when stock trading was considered a mysterious game only the rich played? - Fast forward to the 1990s & into 2001 & day trading became as common as collecting stamps. The joke was even a toddler could trade stocks. Half the seniors who sign onto the internet these days are signing on to check their TD or Charles Schwabb brokerage accounts. Times change & just the very process of publicizing this issue  - ad nauseum, will trend to the media. How many retiring in the next 20 years will be indigent because they are indebted to student lenders? - For the Federal governement, this is a massive burden & time bomb they don't want & can't afford. The majoirty of the country's population is 10 years or less from retirement age & close to a third of that baby boom bulge I'm guessing have student loans.   Why do you think DOE decided this year to enact the 10 year forgiveness? - It's not just out of the goodness of their hearts or our lobbying  - it's a financial decision to head off a second wave financial catastrophe. The Federal government can't afford to pay the student lenders any more than we can. They simply can't  afford to look the other way at the fraud & corruption any longer. I'll bet my E*trade shares on that ;-)

 

On Thu, Jun 17, 2010 at 5:13 PM, boston...@gmail.com <boston...@gmail.com> wrote:

[trizahler]

I love your determination!!

On Jun 17, 12:10 am, "bostonlawg...@gmail.com"

[Dustin Logan]

No, I wasn't the one who sued Corus Bank. It was the Department
of Justice. Corus got caught filing for reimbursement on loans that
had NEVER defaulted! Essentially, they had found a way to collect
TWICE on the same loans. They didn't care that they were ruining many
lives in the process. This all happened back in the 1990's

I believe that is why all of my disability paperwork simply
disappeared. It was really inconvenient for Corus to have that
paperwork show up, when it did. So, they simply buried the whole
matter for a few years, until long after my disability case with
Social Security had been resolved (and the Justice Department was no
longer watching them). By then, it was too late; I was no longer
seeing a doctor who could legally sign the discharge forms (the laws
are very specific on that).

Still, I thought about suing the bank, for all of the pain,
stress, and grief that they have caused. Unfortunately though, as
part of Corus' settlement with the Justice Department, they received
TOTAL immunity from ANY further prosecution. In other words, no one
could sue!

But then, even if I could, no lawyer would take the case. From
what I have seen, they all seem to be afraid of the student-loan
system. At least, no lawyer would do it on contingency. I am far too
poor to actually pay for an attorney. Even Legal Aid wouldn't touch
it, citing a "conflict of interest". Really great system we have.

Dustin

On Thu, Jun 17, 2010 at 9:14 PM, <boston...@gmail.com> wrote:
> Did you sue them? What kind of fraud?
> L. Lyn

>
> -----Original Message-----
> From: Dustin Logan <dml...@gmail.com>
> Date: Thu, 17 Jun 2010 18:41:44
> To: <boston...@gmail.com>
> Cc: <studentlo...@googlegroups.com>
> Subject: Re: May have discovered THE student loan kryptonite
>

[Judy247]

I have played their little game, dispute, dispute, request, request,
have investigated,
call the ombudsman, call the Sallie Mae Advocate, waste my time,
exhausting all of
their policy, rules, regulations... NOW they will play my game and I
will write the
RULES and POLICIES and REGULATIONS, AND I'm NOT GOING TO TELL THEM
WHAT THEY ARE>>>>
I Don't think that a class action is feasible, as was pointed out, the
attorneys get the pie,
we would only get years of more crap and a few crumbs. Investigations
don't work, I now have
the investigators, investing the investigators that investigated the
last few investigations....
I didn't even ask them to go back a few more years to those
investigations.....I am now
going to do what the everyone else should do in a like situation...
HAVE this tried in the
"court of public opinion"... Put up the evidence where all can see it,
let HEAF and Sallie Mae
explain to all that inquire why they did what they did and why they
continue to get away with it.
I'm putting up websites where besides just telling my story, it will
link to all the documents that support
my story, my side and clearly shows the fraudulent documents... I'm
sending the "Link" to this website
to all the politicians in all "CAMPS" plus the President, First Lady,
OPRAH and everyone else I can find
that has any pull to get things done in this country... Perhaps, I'll
never get the money back they stole
from me, but I will have one hell of a good time for what it cost
me... watching them squirm, Pay backs
a Bitch, and my name is Judy.... Let's do it... I will help anyone
with websites, links, or any of that, even
have extra room on my sites that we could use FOR FREE... we could
make webrings of all the Students
screwed by Higher Education..Stuff the pages with lots of keywords and
photos... BINGO, when someone
types in "Student Loan" we will pop up, instead of Sallie MAE....
LOVIN IT... LOL Judy Its time the truth
got out there... to save the grand babies from these maggots.

> On Thu, Jun 17, 2010 at 9:14 PM,  <bostonlawg...@gmail.com> wrote:
> > Did you sue them? What kind of fraud?
> > L. Lyn
>
> > -----Original Message-----
> > From: Dustin Logan <dml0...@gmail.com>
> > Date: Thu, 17 Jun 2010 18:41:44
> > To: <bostonlawg...@gmail.com>
> > Cc: <studentlo...@googlegroups.com>
> > Subject: Re: May have discovered THE student loan kryptonite
>
> >     Really, this is nothing new.  Back in the 1990's, after EdFund
> > played the same games with my disability discharge, I did the same
> > research.  I found similar FRAUD involving Corus Bank of Chicago (the
> > most recent "holder" of my loans).  In fact, they were actually sued
> > for fraud!  I believe that the case number was "23 C 2300", and it was
> > tried in the Federal District Court of Northern Illinois.
>
> >     But, ultimately, the federal government just swept the whole
> > thing under the rug.  Corus was caught stealing millions.  Yet, they
> > got no more than a quiet slap on the wrist.  Honestly, I hate to say
> > it, but the courts don't give a damn about us.  Like the rest of the
> > power structure, they care only about those with money.  I fear that
> > more drastic action will likely be needed.
>
> >     Dustin
>

[Matt Mercer]

I am in the process of requesting my student loans be discharged. I
submitted the student loan discharge form, from the Department of
Education. There are several challenges: (1) First, I am trying to sort
out who is who. SM, I know. I have ACS/Great Lakes (are they the same,
or owned by the same....? The number I was given by DOE for ACS, is
answered by Great Lakes/I was told that I needed to send in only one
form for both) . I also have FedLoan (a new one to me). (2) The DOE
discharge loan form, may not be accepted by one or more lenders, as now
I understand that they have their own form(s), which they don't tell you
that they have, and don't make it readily available. A DOE spokesperson
told me that their discharge loan form, is only a guideline for the
lenders to use, if they choose to have one at all. In fact, the DOE
spokesperson said that lenders are not legally required to offer loan
discharges, based on disability, and if they choose to do so, they have
the right to determine the definition of disability. That definition,
may be different from one agency to the next. All DOE told me, was, good
luck!.

I am not optimistic - a realist. But like many others, I have no
choice. I cannot return back to work. If my SSDI is garnished, then I
will be in dire straits. All I can say is, "God, help us all!"

Matt Mercer

[null null]

Maybe Corus gave SM the idea to just claim other lenders' loans were transferred to them when SM purchased Student Funding Guarantee (I may have the name transposed) just before I started getting their transfer formletters. W/o checking my notes, I believe that was 1999/2000 or even 2001. Another interesting point is that SM will deny & deny that US Funding is not theirs. However, a check on Edgar (- thank- you for pluging that site;-) will show SM's 10Ks for that period reflect US Funding as wholly owned by SM  - although not a "branch" or "subsidiary". Owning the guarantee firm gives SM unprecedented access to students' & other lenders' data AND the ability to tamper with it.    For my case, however, SM got sloppy & accepted my payment under "SM" - I think their own greedy collection process slipped them up there. Especially damning is GRC's written admittance that there was a question of an error & that they were stopping collection. Knowing what I do about SM & thier FL CO,Terraciano's lack of integrity, I went ahead and paid them pronto and they got snared. The rather nice part is they still are clueless about how deep in $%^& they are once they accepted my payment & misreported it on my credit records. They can't even come back & claim it was mistake; I gave  them the opportunity by disputing it right away & the idiots confirmed it as correct.   Between the FTC FCRA violations and the loan fraud, that $18K is going to cost those greedy idiots so much more when all is said & done. For me, if it helps everyone else  & saves any others from being their victims, it will have been well worth the hassle it's caused me. I'm thinking we may want to start thinking about putting all of our related info on a secure website minus the SS#s &  complete personal ID data. It may help get some of the damming data sorted into a single package for the Feds. I advise though, we do NOT make the site public.

[null null]

To all;

if you're feeling as if SM will never get caught turn on 60 min - they're discussing the madoff & how everyone knew they were crooks - It will give your resolve a boost. SM's time WILL come  - just as Madoff's did.

[Dustin Logan]

here is another little known fact that I learned (about loan
discharge papers). Apparently, they can ONLY be signed by a
"Disability Assessment Specialist". Signature by just a regular
physician is not considered binding. Further, the "specialist" must
be hired a "disinterested third party", like a judge or arbiter.
Apparently, that is the only way to avoid "conflict of interest"
charges. I did the right thing (totally by accident) by having the
doctor appointed by Social Security do the signing, once my SS
disability had been approved.

Of course, I'm not 100% certain of these facts. This bit of the
of the legal code seems to be couched in quite a bit of mystery. In
fact, it was my own doctor who finally told me about this, only
recently. Why is it such a secret? Well, my guess, if that is the
law, then SM and others might want to keep it under wraps, as the
wrong signature makes an easy, quick-and-dirty excuse to reject the
majority of discharge claims. Again, more stupid games.

Dustin

[Cezary Podkul]

Does anyone else on this listserv have a similar experience, i.e. graduation date being changed on your loan without your permission?

Cezary

[dbur...@gmail.com]

Does anyone think that congress will pass student loan bankruptcy? When can we expect a decision?

Sent from my Verizon Wireless BlackBerry

---

From: Cezary Podkul <cez...@gmail.com>

Sender: studentlo...@googlegroups.com

Date: Fri, 25 Jun 2010 22:53:39 -0400

To: Studentloanjustice<studentlo...@googlegroups.com>

ReplyTo: cez...@gmail.com

Subject: Re: May have discovered THE student loan kryptonite

[null null]

I have to ask, Cezary, do you actually think anyone would give *permission to have their

graduation date changed??  After speaking with you, I got the strong sense that you have absolutely no insight whatsoever on this issue.

It also begs asking; are you receiving compensation from from a lending organization or a nonprofit owned by a lender or collection firm or subsidiaries? I know who you appear to write for, but in reality, online "rags" are a dime a dozen & do not reflect on any of the writers' integrity  - or lack of it.

In short I think Mr. Podkul is trolling for personal data but not for any *borrower's benefit.

Don't take it personal Cezary, you're far from the only possibly paid stall( compensated to

stall a borrower by asking for information to give the impression they are going to help but just end up sitting on the data  & looking to obtain original documents to "lose" or dig up for the lenders' lawyers.

Just my HO ;-) 

[prorsum]

Regarding Bostonlawgyrl's Student Loan Kryptonite:

In terms of action, perhaps you could present your findings to one of
your elected representatives. Based upon your post, you are certain
capable of producing a professional research document. I would
suggest a personal contact first so that your hard work does not get
sent through the congressional liaison channel for the USDE to
"answer."

I emerged from a seven year war concerning a predatory lending scheme
on my house, only to find myself embroiled in a student loan scam. In
those processes, I have learned a lot about fraud.

Student loan fraud is so egregious, one would think that the Doctrine
of Unconscionability would apply....certainly to address those cases
of "indentured servitude" so often discussed in this forum. Clearly
no reasonable person would sign a contract placing them in such a
position. Also, these are contracts of adhesion. I have looked for
cases where unconscionability and adhesion in student lending were a
defense, but found none. Have you check into it?

Personally, my loans were structured exactly like Lehman Brothers –
same overvalued CDOs – same scam. Only, unlike Lehman, the government
bailed out my lender. What does that have to do with the U.S. trying
to regain its once high educational rankings in a global marketplace
by educating its citizens? What was once calculated as the students'
return on investment - more education yields more income - now goes to
the lender. All of it. Now, students serve only as a conduit for
federal money to line their pockets. Sound familiar?

Prorsum


On Jun 17, 1:10 am, "bostonlawg...@gmail.com"

[prorsum]

Matt,

Is there any possiblity you could meet the Brunner Standard for S.L.
Bankruptcy? Marie Brunner v. NY State Higher Education Services
Corp.

Brunner Standard:

1. That the debtor cannot maintain, based on current income and
expenses, a "minimal" standard of living for herself and her
dependents if forced to repay the loans.

2. That additional circumstances exist indicating that this state of
affairs is likely to persist for a significant portion of the
repayment period of the student loans.

3. That the debtor has made good faith efforts to repay the loans.

> >> unethical unscrupulous lenders, guaranty agencies, and servicers!- Hide quoted text -
>
> - Show quoted text -

[null null]

I think one needs to make direct, personal contact with a local Representative or AG/State Atty. The student loan business is extermely complex and is buried under so many complaints by borrowers who cannot maintain student loan payments. This is actually a great advantage to the lenders on a number of levels - one of which buries possible outright fraud. Our representatives are inundated with requests for help from their constituents and a complex issue such as student loan lending needs more than just a neat letter with an envelope of documents. The Representative needs the benefit of small bites of information  about the issues carefully broken down with the opportunity to get a full understanding of the issue. That takes time which continued contact and meetings can achieve. I have intentionally not gone to colleagues in the legal field until now - until I have the time & patience to present a clear, easily digestable view of the issue to them. Also, accusing a lender of fraud is a waste of everyone's time  - until clear, established evidence can be provided. The AG will welcome any case for investigation IF you can provide clear documented proof for them. It was well worth the wait ;-)

Also, Is there anyone on this list who is a professional speaker or teacher?

[Michelle Jackson]

Great documentary I watched over the weekend.  For those of you that have Netflix, it is available instantly.  Short synopsis below that I cut and pasted.


College, Inc.

Uncovering the truth about for-profit colleges and universities, this Frontline episode investigates the schools' powerful recruitment methods, convenient online curriculum, connections to Wall Street and astronomical revenues. Through interviews with former students, employees and education experts, this program questions whether such institutions of higher learning improve the lives of their graduates or simply saddle them with debt.

---

From: null null <null...@gmail.com>

To: prorsum...@yahoo.com
Cc: Studentloanjustice <studentlo...@googlegroups.com>
Sent: Tue, August 3, 2010 9:54:06 AM

Subject: Re: May have discovered THE student loan kryptonite