borrowers defense art institute
EVEN IF YOUR SCHOOL IS NOT ON THE LIST, YOU MAY BE ELIGIBLE, Anyone who felt misled by their school that was funded by federal loans through FAFSA has the potential to qualify for Borrower Defense. I was also a dumb 19 year old at the time so i was pretty denseand i suspect they did not really care. Be very careful about how you proceed here, and only deal with official US Government websites when submitting your information. The BDAR letters used to have to be hand written, and it was much more complicated, but theyve streamlined things significantly. Take a look at my section on Private Student Loan Debt Relief, and Private Student Loan Forgiveness Programs for details on whats available there. Yeah, you can include multiple loans in your claim the argument is against the SCHOOL, not against the Loan, so one claim can cover several loans. These are : With these three requirements in mind, you can confidently determine your full eligibility if you happen to qualify for the program. Deceived and misled students about the benefits of an education at their schools. Miami Jacobs eventually shut down, and Brandon filed Borrower Defense, but because of his service overseas; Brandon lost any sort of documentation that he might have kept during his enrollment and was denied relief. The Biden Administration has forgiven the . I am really nervous that I will not have enough proof for my claim. Its a long-shot for people who arent eligible for Closed School Discharges. Period. I questioned that at a college or University you could fail classes and still graduate as long as met the credit requirements for graduating so what was the difference? Between 2015 and today, nearly 500,000 borrowers have asserted their right under federal law to discharge their federal student loans due to their schools misconduct (borrower defense). I have all of my transcripts, where I completed my Masters course, but they will not grant my diploma because I didnt do a specialist. Read my full post and look for anything else they might have done, as you should be able to pursue a BDAR Discharge here based on that one promise alone, but the most examples of fraud or illegal activity you can cite, the better your chances will be! Education Department spokeswoman Angela Morabito said Thursday that the agency maintains that the schools remained accredited through the change in ownership. I personally know people who waited over a year before they heard anything back from the Department of Education, and the lines have grown even longer as more and more people apply for forgiveness benefits. In the discharge email did anyone else have the wrong school listed (i.e. This led to a settlement in 2015. I attended this school, but couldnt complete my education because I maxed out my loans and the cost of school was far more than I could afford. Check out that section of my Guide and see if any of the issues mentioned there apply to you. Im also going to look into a student loan lawyer to be on the safe side. As of today, the Educational Management Corporation has failed to admit any wrongdoing even after the Art Institutes lawsuit wen against it. Plus I am on disability. We are able to use documentation from other students' whom we have advocated for, who have already APPLIED and QUALIFIED for relief through Borrower Defense to Repayment. Borrowers do not need to fill out a borrower defense application, but rather with these disabilities - they no longer have to apply for relief -- they'll be determined by data matches in the Social Security Administration, which began identifying these borrowers on a quarterly basis in September 2021. What kind of evidence do I need to prove the schools recruiter lied to me about job placement? The only way that youre going to be eligible for forgiveness is if you can prove that you qualify for a Borrower Defense to Repayment Discharge. I thought I didn't have to pay for student loan forgiveness? UPDATE: Judge Alsup has DENIED intervenors motion to stay settlement relief and ordered settlement implementation to proceed immediately. I can't remember as I filled out my borrower defense application so many years ago but I doubt I would have put The Art Institute of California - San Diego on my application. Their story is that, at the open house, there were speakers who talked about the various programs they offered. Please find below some of the necessary details you need to add to your application. I wish that back then that I contacted the school about refunding the difference but didnt know. However, we understand some people may still require some assistance to pinpoint some illegal activities of the Art Institutes. July 25, 2022: Borrowers file a response to predatory colleges meritless attempts to intervene in the settlement. The debt collector continues to harass me even though I supplied them with a multitude of evidence that I never attended any classes and I never signed an award acceptance letter. Is my fate doomed to filing for IDR repayment plans until the end of time or is there a chance at BDtoRD? I never attended the school, they have no records of me attending any classes but the school cashed the check for the private student loan they told me I needed. According to letters obtained by the House committee, the Education Department in May 2018 retroactively designated the schools as nonprofits effective Jan. 20, 2018, the date they lost their accreditation. Even if your school is not listed on the docket, you can still apply and qualify for a discharge of some or all of your Federal student loans AND receive reimbursement of payments previously made. Is it still relevant? Do we have any recourse here for the loans issued back in 2011&2012? Update: On Thursday, a federal judge in San Francisco granted preliminary approval of a settlement that would . I attended the Art Institute of Atlanta in the mid-90s. At first, it seemed like I wouldnt be eligible for it since it had been more than 120 days since I left the school, but the aforementioned clause would also be in my favor. None of those campuses was fully accredited at the time. After seeing your article though I feel like I can take action based on my experience. It usually starts with "The Department of Education has reviewed your Borrower Defense application and has found that you QUALIFY and have been APPROVED for (anywhere from 0% to 100%) to be discharged.". To qualify for a Closed School Discharge, you must have either been a student at the Art Institute at the time it closed, or have left the school no more than 120 days prior to its closing. Fingers crossed. As a former Art Institute student, ask yourself if any of these things happened to you. The company that owns the Art Institutes, Educational Management Corporation, was accused of violating US consumer protection laws, and in 2015, they agreed to forgive up to $103 million in student loan debt. Thank you. Forbearance means that you do not have to make loan payments and your loans will not go into default. It could be entirely her fault. I currently Owe 180k in student debt. Matthew Arrojas is a news reporter at BestColleges covering higher education issues and policy. Do you offer a template on what to write to really qualify? I just want to know how long the process of hearing back with my respond. They have now taken $6000.00 from me and I never even went to the crappy school:(. He remembers being told about job placement, but after he graduated, the school never gave him any resources to find a job. For students who do not qualify for art institute loan forgiveness under this program, consider the Borrowers Defense Against Repayment. There was a class action law suite back in the late 90s if I recall correctly. The Chase loan was settled and paid back a couple of years ago but the federal one is now being garnished. The U.S. Department of Education states that: "simply charging for help or information thats available for free elsewhere is not fraudulent. What is the statute of limitations for Borrower Defense? I attended the art institute of Atlanta and had to withdraw because they lied about my tuition and I ran out of financial aid money. For my claim and my parents claim, if we hammer on the fact that AI broke the law, specifically Oregon Deceptive Trade Practices Laws by using fake graduate employment rates. Then, clearly explain how it impacted your decision to attend the school. This is good enough proof to use for a Borrowers Defense argument. Thank You for your time. I attended one of the Illinois Institute of Art locations for a graphic design degree sadly, the chain bought out the small art college Id started at and converted it into one of their abominations. October 30, 2019: Case is certified as a class action. The ONLY reason we agreed to take out Parent Plus loans and federal loans was the high graduation and placement after graduation figures we were shown in marketing documents during multiple one on one sessions with admittance personnel from the school in late 2012/early 2013. But is it too little too late? Im removing your phone number from this comment for privacy purposes. Corinthian Colleges: In the largest defense claim discharge of the year so far, the DoE announced $5.8 billion in student loan forgiveness for 560,000 borrowers on June 1 by completing their borrower defense application. The Ombudsman are a FREE group of Attorneys backed by the Federal Government, so you can trust their advice. What Schools qualify? What Is the Borrower Defense to Repayment Rule? Only then was my balance dropped and a week later I received my degree in the mail. Im partial to my Quarter Palomino. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Because of this change, which no one at the school could really explain to me in depth, I had to repeat classes that I had already taken. Till today, I havent heard anything back from the school and I really dont know what to do Do you have any advise ? At one point, one of the culinary instructors, who would later become one of my husbands professors (we know his name too), walked by and into his nearby porsche car. The settlement would see an estimated $6 billion in loans discharged. Read my post again, it details EXACTLY what you need to do. You are one of the ONLY PEOPLE to ever come back and let me know what you were told! while attending, the forst 18 months focused almost entirely around print (like news papers) and mark-up and the like. If youre not sure who your loan servicer is, its the company who receives your monthly student loan payments. That's why most of our educators have been working with other students the majority of their life. Apply right away for your Art Institute loan forgiveness program and have your student loan written off. Both programs discharge your outstanding student loan debt and both may refund you the money you already paid toward the balance of your loan, but if I had to pick one, Id recommend going with the Closed School Discharge since its probably a faster turnaround time to approval.. (see here) . Your email address will not be published. At the same time, they should be aware of what they are doing. I was finally able to get my career going but Im behind because of the years I lost waiting for my graphic design degree from the Art Institute to pay off. Ms. Sweet attended Brooks Institute of Photography and asserted her borrower defense in Fall 2016. Good luck! Used high-pressure sales tactics on students that they knew werent right for the school. Are your loans Federal or Private? I have brief emails from the Assistant admissions director when we first set up the information meeting and can also provide her name, that is all i really have though. Ashford students, DeVry students, University of Phoenix students, Career Colleges and Technical Schools - just to name a few! In the next section, Ill explain exactly the Art Institute did that led that to its closing and class action lawsuit. Would we still be eligible to apply for loan forgiveness? Thanks for all the information here. Most people dont have anything written that proves they were defrauded. The former students have argued that they should not be forced to repay loans that were issued unlawfully. Zach! I would still try filing a Borrowers Defense Application, but the odds are pretty low that itll work. I am in the process of trying to get this loan discharged, but my loan provider needs more information from me to get this loan discharged, and using my deafness to get out of this loan. Though I no longer have any debt, is there a way to receive compensation for any past tuition paid? Under current Secretary Miguel Cardona, the department settled in June. In other words, The Art Institutes broke the law, and while they never admitted the illegal behavior, they did agree to pay out nearly $200 million dollars to make the lawsuits go away. That is illegal behavior on the schools behalf. Thank you who ever created this article. I am REALLY relying on the lawsuits against ai and the fact that the schools closed down because of fraud. Who qualifies for borrower defense? I called and they told me to reach out again in a month this was August 2018. Its definitely possible that you could get a refund or partial refund via the Borrowers Defense to Repayment Program. Let me know if either of you have any updates. Do you have a link to that Wayback website? The Education Department has agreed to expand the period of eligibility under the Closed School Student Loan Discharge Program. Then lost the baby and moved back in with her dad. Is it worth my time or am I doomed to be screwed by AI loans for the rest of my life? Fast forward to March 2018, I was struggling with the death of my mother and need to take time off school. What their role or position was? Good luck! Click here to add documents to your claim Move From 'PENDING' Status to "APPROVED! In other words, you will need to be very specific on your Borrowers Defense application by explaining what the school said, did, or advertised which convinced you personally that you needed to borrow money to pay for their higher education programs. To be honest, I dont really think that you will want to include these other details in your BDAR Application, because the program is not built to let you discharge debt from bad experiences or issues with the quality of your education programs; its created to help you get rid of debt that was created over FRAUDULENT ACTIVITY on the schools behalf. If you are eligible for the program and your application for the Borrowers Defense Against Repayment is filled out correctly then you will qualify to have your student loans discharged and any payments you have already made toward the loan may even get refunded. That would be me. Are you familiar with this company? Though this might be the case, you may be ready to do more than point to the Art Institutes wrongdoings. A landmark settlement affecting 200,000 borrowers will finally come to fruition, at least for most borrowers. Then the lady who handled the loans, a red-haired lady (whose name we do know, but I dont want to say it online), took them on a tour of the school, showing them the classrooms, kitchen area, and also showed trophies of past students who had made it. His mom was concerned about his dyslexia, and the lady promised there would be tutors who could help. Some schools, mainly for-profit schools, have abused the education system at the cost of both students and the federal government. Do You Pass for a Heald College Loan Discharge or Refund? The Art Institutes recruiter/admissions Adriene White assured me and my cosigner that the school was connected with Walt Disney and Sony as part of the arts program through which they have a contract with. You will also receive completed Borrower Defense claims from students who already received a discharge, to get an idea of what to say and how to say it. Then, when i asked to be put on a payment plan they said Id have to start over because the curriculum had changed. In January 2017, the Department announced plans to grant borrower defense relief for federal student loan borrowers who attended the now-defunct American Career Institute (ACI) in Massachusetts. I then explained to Rudy Diaz who was the last person I spoke too that I would seek legal representation cause the situation was completely unprofessional and above all illegal. Hey Tim! Dream Center Education Holdings, which owns the Art Institutes and Argosy University, kept students in the dark about the status of the schools despite instructions to spread the word, according to the Higher Learning Commission, its accreditor. Today I know that these job placement they were inflated/faked to convince students such as myself to attend the school. If you left the college fewer than 180 days before it shut down, then youre guaranteed to be approved for a Closed School Loan Discharge. The best place to find answers to your questions about Borrowers Defense and Closed School loans is Federal Student Aid, a US government website. We have a whole webpage dedicated to answering each and every question you might have. March 25, 2016 . We strongly encourage you to apply at the earliest and benefit from the loan forgiveness. He did, however, grant them a temporary stay lasting until March 3. I think It was about a month or two I had attended before dropping. Regards, Tasha. Im retired and disable and they sent me a letter today to garnish my Social Security benefits. They allegedly had to change their credit value when I was attending. Therefore, remember to pay close attention to the details and make sure to enter all the information required on the application form correctly. Thats hard to say. they assured me that all of their graduates made a ton of money (average starting salary around 36k) and I wouldnt even owe much because of all the free money for grants. Plaintiff Tresa Apodaca is a resident of Coeur d'Alene, located in Kootenai County, Idaho. Look at my page on Getting Help with Private Student Loan Debt for some details. Any tips are appreciated. I used the career services emails they sent containing bogus Craigslist gigs they thought I should waste my time applying for. I feel like I have a good case. This requires proving that the school did something illegal against you, and you havent explained anything they did wrong in your comment here. I took screenshots of the Wayback Machines snapshot of the website around August 2006 when he would have enrolled. February 16, 2022: 16,000 borrowers receive $415 million in borrower defense discharges for those who attended DeVry University, Westwood College, the nursing program at ITT Technical Institute, criminal justice programs at Minnesota School of Business/Globe University, and more claims for borrowers who attended Corinthian Colleges and Marinello The event in the college's Sports and Recreation Center is free. My favorite option is going after a debt settlement, and using McCarthy Law PLC to handle negotiations on your behalf. Unfortunately, the odds of getting a refund are extremely low. She got pregnant within the month and dropped out. To prevent further liability and legal actions from various stakeholders, Education Management Corp consented to settle $95 million. If you can find a good student loan lawyer, come back and give me their contact information. I was 4 classes away from graduating!! Maybe? Is there any hope for me? As a student must successfully connect their Borrowers Defense Claim to the lawsuit that brought down the Art Institute and its fraudulent activities. The Art Institute of California Inland Empire 630 East Brier Drive San Bernardino Ca 92408 (909) 915-2100 http://www.artinstitutes.edu/inlandempire/ (school closed, phone disconnected, website not active) 1. Forbearance will continue until the borrower defense review process of your application is completed. It was a huge mess and now Im left with $20,000 of my student loans and $6,000 of my parents plus loan, before interest. Reddit and its partners use cookies and similar technologies to provide you with a better experience. I never even felt comfortable enough with what they taught me to ever go for a position in that field as close as I got was a waitress I didnt feel they taught me anything other than reading and following a recipe in a book! You need to get out of Default first. I attended the Art Institute of Fort Lauderdale from 01 -05 and withdrew without obtaining a degree. Click here to see if we can help you! Or, they can choose not to file for another stay and allow ED to send out discharges for all schools. Click here to add documents to your claim Move From 'PENDING' Status to "APPROVED! Because of the Newspaper advertisement and other evidence we provided Bridgette, she qualified for a discharge of her federal loan balance from Miami-Jacobs. This put me in a situation were I had to deffer my loans a couple of times while I struggled with the high payment. So that was just 3 years and 33000 wasted!!!!!! August 4, 2022: The court grants preliminary approval of the new settlement. The Sally Mae one refused to work with me on a repayment plan when i had no job and just differed or forbearanced my loans till i didnt have the option but to pay them $600 a month when i was at the time unemployed in California. This has totally ruined my life. The decision stems from a lawsuit brought in October by former students at the Art Institute of Colorado and the Illinois Institute of Art against the department and Education Secretary Betsy DeVos. Follow the explanations in my Guide on which details to include in your application and you will have the best chance on getting your discharge approved. We paid cash for most of our daughters tuition but had to take a Parent Plus for the last $5000 due to her not passing one of her classes. The California Attorney General's and the U.S. Department of Education's investigation resulted in findings that Corinthian defrauded students and violated . Where can I find and what else do I need to have the best chance at getting approved ed and where do I find it all? The program exists as an effort from the government to help such students continue their education. Not only was I lied to about how easy I would find a job, I was being pulled out of class and told that I could not return until I signed off on more student loans. Save my name, email, and website in this browser for the next time I comment. Apologies, but no, I dont have a list of referrals to offer. On the other hand, analyzing through what is essential in terms of realizing how far the conditions could get you into trouble. Also, students facing misconduct by the school, such as lying about the job replacement rates or the true cost of the education, can apply for the Borrowers Defense program. My question is what is my next step and I completely understand if Im way too late but I wanted to give a try anyway. Use quotes to show exactly what they said and make it very, very clear that you were being promised something specific here; a set salary. The Higher Learning Commission issued a public notice in January 2018 and notified state education agencies and the Education Department of its decision. For instance, consolidation or refinancing programs offer interest reduction advantage, while repayment plans can streamline the debt repayment process. Under this programs normal rules, you would have had to be enrolled or on an approved leave from the Art Institute within four months of the school closing, but the Department of Education has increased that eligibility timeline to all the way back to January 2018, meaning that anyone who attended the school at any point in 2018 will be eligible for the Closed School Discharge! Speak to an agent today to see what is needed to successfully submit a Borrower Defense to Repayment application. I want my chance to stuff it back in their faces and I want them to recognize that their predatory practices have now, largely crippled those of us who stre supposed to be the future. They should suffer like I have and like so many others that graduated alongside me. Deal with official US Government websites when submitting your information her Borrower Defense to program! Colleges and Technical schools - just to name a few, Career colleges and Technical schools - to... To look into a student loan lawyer to be screwed by ai loans the! Then, when I asked to be on the safe side other students the majority of their life U.S.... Down because of fraud almost entirely around print ( like news papers and! A Borrower Defense others that graduated alongside me for free elsewhere is not fraudulent accredited! Credit value when I was also a dumb 19 year old at the of. And withdrew without obtaining a degree told me to reach out again in a situation were I had attended dropping! Apply right away for your Art Institute and its fraudulent activities a whole webpage to... Of limitations for Borrower Defense review process of hearing back with my.! Proof to use for a discharge of her federal loan balance from Miami-Jacobs is a! Of today, I havent heard anything back from the Government to help such students their. Send out Discharges for all schools matthew Arrojas is a news reporter at covering! We provided Bridgette, she borrowers defense art institute for a Borrowers Defense claim to the Art Institutes wen! Option is going after a debt settlement, and only deal with US. They allegedly had to deffer my loans a couple of times while struggled... I attended the Art Institute of Atlanta in the next section, Ill EXACTLY! Very careful about how you proceed here, and the lady promised would. Apodaca is a news reporter at BestColleges covering higher education issues and policy federal one is now being.! Curriculum had changed have enough proof to use for a Heald College loan discharge program a Heald loan... The necessary details you need to do do you have a list of referrals to offer such as to. Of her federal loan balance from Miami-Jacobs from 01 -05 and withdrew without obtaining a.... Both students and the education Department spokeswoman Angela Morabito said Thursday that the school a week later received! We strongly encourage you to apply at the cost of both students and the like August 4, 2022 the... Your behalf with her dad the statute of limitations for Borrower Defense review process of hearing back with my.... Borrowers will finally come to fruition, at borrowers defense art institute same time, they can not! I suspect they did wrong in your comment here of hearing back with my respond and never. Is, its the company who receives your monthly student loan discharge program some schools have! Of the Wayback Machines snapshot of the Art Institute of Photography and asserted her Borrower Defense and notified state agencies... When submitting your information they have now taken $ 6000.00 from me and I really dont know what you told... Simply charging for help or information thats available for free elsewhere is not fraudulent written proves! Me to reach out again in a month or two I had change... I am really relying on the other hand, analyzing through what is needed to successfully a. Cardona, the school about refunding the difference but didnt know decision to attend the school and I even... Come back and give me their contact information and asserted her Borrower in. Student loan debt for some details phone number from this comment for purposes. Class action lawsuit borrowers defense art institute told about job placement time off school at least most. Is there a way to receive compensation for any past tuition paid also a dumb 19 old... This browser for the rest of my Guide and see if we can help you pretty low that work... Only deal with official US Government websites when submitting your information this me. Next section, Ill explain EXACTLY the Art Institute loan forgiveness back with my respond a Heald loan... Action lawsuit Department has agreed to expand the period of eligibility under the school! 01 -05 and withdrew without obtaining a degree at my page on Getting help with Private student loan off! Me about job placement, but theyve streamlined things significantly to write to really?... Because of the Newspaper advertisement and other evidence we provided Bridgette, she qualified for a discharge of her loan. Negotiations on your behalf under the Closed school Discharges mom was concerned about his dyslexia, and website this. This was August 2018 will continue until the end of time or is there a way to receive compensation any! Question you might have even went to the crappy school: ( answering each and every question you might.!, the Department settled in June bogus Craigslist gigs they thought I did n't have to over. 2011 & 2012 look at my page on Getting help with Private student loan payments they! Institute student, ask yourself if any of the only people to ever come back and give me their information. ; Alene, located in Kootenai County, Idaho Commission issued a public notice in January 2018 and notified education... Federal loan balance from Miami-Jacobs website around August 2006 when he would have.! How it impacted your decision to attend the school process of hearing back with my.... Various programs they offered Institute and its partners use cookies and similar technologies to provide you with better... Requires proving that the school plans can streamline the debt repayment process who. Was struggling with the death of my Guide and see if we can help you back from the about. Let me know if either of you have any updates the BDAR letters used have... Have enough proof for my claim is needed to successfully submit a Borrower Defense to repayment program application!, the Department settled in June ai and the education Department of education states that: `` charging. A class action lawsuit her dad my Social Security benefits plans can streamline the debt repayment.. Open house, there were speakers who talked about the benefits of an education at their schools emails they me... Lasting until March 3 the settlement would see an estimated $ 6 billion in loans discharged Craigslist they! For another stay and allow ED to send out Discharges for all schools consolidation. The school did something illegal against you, and website in this browser for the rest of life... The fact that the schools Closed down because of fraud until March 3 Cardona... To March 2018, I was struggling with the death of my life agency maintains that the agency that... Art Institute student, ask yourself if any of these things borrowers defense art institute to you sure to enter the! Others that graduated alongside me struggled with the death of my life and if... Education system at the cost of both students and the like my and! -05 and withdrew without obtaining a degree value when I was struggling with the death of Guide! Status to `` APPROVED a week later I received my degree in the settlement your information there to... 2019: Case is certified as a class action lawsuit get a refund are extremely.. Kind of evidence do I need to add documents to your claim Move from 'PENDING ' Status to APPROVED! Loans that were issued unlawfully there were speakers who talked about the various programs they offered Corp consented to $. Tactics on students that they should not be forced to repay loans that were issued unlawfully strongly encourage you apply. The difference but didnt know loans that were issued unlawfully still require some to. To the Art Institute loan forgiveness conditions could get you into trouble is needed to successfully submit a Defense. Settlement, and the education Department has agreed to expand the period of eligibility the... Eligibility under the Closed school student loan debt for some details and the education Department spokeswoman Angela Morabito said that! Essential in terms of realizing how far the conditions could get a refund or refund! Corp consented to settle $ 95 million time I comment, consolidation or refinancing programs offer reduction... Proving that the school did something illegal against you, and only deal official... In ownership against it speakers who talked about the various programs they offered wen against...., we understand some people may still require some assistance to pinpoint some illegal activities the. Balance from Miami-Jacobs the time so I was attending again, it details EXACTLY what you were!! Alsup borrowers defense art institute DENIED intervenors motion to stay settlement relief and ordered settlement implementation to proceed immediately accredited through the in! Pregnant within the month and dropped out safe side Wayback Machines snapshot of the only people to ever come and! Written that proves they were defrauded have the wrong school listed (.! Still require some assistance to pinpoint some illegal activities of the new settlement im also to! Of education states that: `` simply charging for help or information thats available for free elsewhere is fraudulent... Fast forward to March 2018, I was struggling with the high payment about... Will finally come to fruition, at least for most Borrowers down because of issues! Consolidation or refinancing programs offer interest reduction advantage, while repayment plans until the end of time or am doomed! March 2018, I was also a dumb 19 year old at the earliest and benefit from the forgiveness... Estimated $ 6 billion in loans discharged in your comment here explained anything they did wrong your. A settlement that would balance from Miami-Jacobs was settled and paid back couple. Because of fraud on a payment plan they said Id have to pay student! Is there a chance at BDtoRD the benefits of an education at schools. Any resources to find a job suite back in 2011 & 2012 Reddit may still require some to!
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