The American Intercontinental University (AIU) is currently facing a lawsuit that alleges the school has been issuing degrees to students who have not met the necessary academic requirements. Id. Dobson placed the documents in a locked file cabinet, which would be off-limits to SACS, the suit said. 2005); United States ex rel. Today I still have not gotten a graduation or degree even after I completed all the requirements. [7], In March 2019, Career Education Corporation acquired Trident University International, an online for-profit college with approximately 4,000 students, and planned to merge this acquisition into American InterContinental University. But consider that Department of Education receives so many applications and it could take two years to get a response. Patients made into prostitutes and sex slaves, bilking insurance companies out of millions Sac_County Iowa Prosecutor Ben Smith pays $750,000 to settle Ripoff Report 1983 civil rights lawsuit.. Federal Judge stops prosecutors abuse of power against ED Magedson Founder of Ripoff Report Ripoff Report Investigates! Therefore, sending the request and waiting for a response is not the best plan. In support, Defendants argue that the representations and promises made by Defendants to the DOE regarding compliance with the incentive compensation ban or accreditation requirements are not "certifications" and thus, are not prerequisites to payment of any Title IV funds by the DOE. Truly its helping out soo many with ridiculous amount of student loans coming out from AIU. 2006). I called recently and they said my loans are currently being reviewed by the dept of edu. Ripoff Report on: American Intercontinental University - American intercontinental university aiu online total ripoff not accredited class action lawsuit lafayet. Since the Graves decision, the Seventh Circuit and the Ninth Circuit have reached different conclusions on the issue. No. Ill do my best to respond to any Comments left here within 24 hours, so if youre not in a huge hurry, I should be able to help. A for-profit university called American Intercontinental University will no longer collect student loans according to the lawsuit against the University. If the information in this Guide helped you with your student loans, please share it on your Social Media platforms, especially on Facebook, Twitter or Reddit, or even by emailing it to anyone you know who is struggling with their own student loans. ): Concentration in Education Administration, Education (M.Ed. 0 0 Share Resolved Resolved Resolved American InterContinental University [AIU] reviews & complaints Previous complaint Next complaint 36 comments Add a comment Arthur L. of US Jul 02, 2018 10:52 am EDT Many cater to non-traditional and working students. [17] The VA withdrew its threat of sanctions in July 2020. Defendants seek to dismiss the Complaint pursuant to Rules 12(b)(6) and 9(b) of the Federal Rules of Civil Procedure. In 2010 I began my crusade I was a photography major and my concentration course was phased out without notice, and they phased me into a graphic design concentration in my last year of school. In addition, AIU reportedly resumed the same or similar quota system after the SAC probation was lifted. I talk about what you should do in detail. 20 U.S.C. Required fields are marked *. It employs open admissions and is owned by Perdoceo Education Corporation. [30].) In the case of American Intercontinental University, the parent company has to change its student admission strategy. AIU Atlanta offers degrees in business, design, criminal justice, health care management and information technology, according to the colleges Web site. Id. It means approximately 180,000 students will not repay their loans. They argue that the Complaint is devoid of allegations that AIU violated any statute or regulations, had knowledge of noncompliance, or submitted any claims for payment. Specifically, Plaintiffs contend that Defendants made false statements concerning AIU's purported compliance with: (a) the Title IV of the Higher Education Act of 1965's prohibition against incentive-based compensation for enrollment counselors; (b) the Southern Association of Colleges and Schools' ("SACS") accreditation standards; and (c) the student eligibility requirements of Title IV. I do want to point out that AmericanIntercontinental University is not closing down, or at least that this hasnt been announced as of yet, but they are going to have to start being more transparent about the value they offer to potential new students, as the lawsuit also stipulates theyre going to be forced to report several important metrics to anyone considering enrolling in the school. [18], AIU receives approximately 96% of all funds from the US government, including about $29 million from G.I. You need to demonstrate that you take this student loan because of university lies and false promises. We do not claim to represent any government agency. All Rights Reserved. Anyway I was angry when I graduated and couldnt secure a job because of the lack of training. If you need help with Federal loans, youll want to review my Guides on the following topics: And if you need help with Private loans, then youll definitely want to check out my Guides on: Its almost guaranteed that youll qualify for one or more of the programs listed above, no matter who you are, where you went to school, what you studied, or what you do now, as there are tons of different ways to satisfy the eligibility requirements for these debt relief programs. Assoc., Inc., No. For details on how exactly to handle this process, please visit my Guide on the Borrowers Defense to Repayment Program, here. Dr. George Miller, president of American InterContinental University, cited low student enrollment at the Los Angeles campus as the reason for this decision. Legal News Reporter: Nicole Howley-Legal news for Georgia lawyers specializing in government law. I spend a ton of my free time working on this website, but I can only continue to do that if it starts getting more visitors on a regular basis, so anything you can do to help put my page in front of other people would be most appreciated. In case of a class-action lawsuit against American Intercontinental University, you need to take debt from Career Corporation Corporation. Now all Federal Student Loans will be eligible to erase the student debt. I actually graduated and finished my program in 3 years but my loans were more than triple the amount and I never really understood why it was sooo much loans and I never really got an answer other than the fact the I took the the classes and this is the amount it came out to. In January 2008, AIU also sent enrollment counselors with the highest enrollment rates from the Dunwoody and Buckhead campuses on an all-expenses-paid trip to Miami, Florida. McCarthy Law will negotiate with your lender to settle your private loans for much less than you currently owe (typically 40%), then get you a new loan for the lower, settled amount so you can pay off the old loan, repair your credit and reduce your monthly payments. Nearly 2,000 GI Bill students attended American InterContinental University both online and in person, according to the VA. ): Concentration in Instructional Coordinator and Teacher Leadership, Education (M.Ed. According to aclass-action lawsuit against American Intercontinental University, AIU has to provide several metrics to its potential students who are going to enroll in its classes. 38 at 31-32.) They will try to follow the rules in order not to face these kinds of lawsuit problems. It was remodeled, and a grand re-opening celebration occurred in February 2009.[22]. I attended the school from 2005-2007, inherited some money and paid it all back.. because I had no other choice. Those with questions about this refund should contact settlement administrator Analytics Consulting at 1-888-440-0371. Trident at AIU offers undergraduate, graduate, and doctoral level degrees in a 100% online environment. Then the tsunami hit Japan and my story got washed away with it. SACS placed the university on probation in December 2005[33] and renewed AIU's probation in 2006 for failure to comply with various Principles of Accreditation. But the odds of making that work are so difficult that I dont think its worth pursuing. [4] In 2001, AIU was acquired by its current owner, Career Education Corporation, which is a publicly traded operator of for-profit schools. How to find UGA championship pages and souvenirs from the AJC. was introduced to a number of courses to supplement learning outside the classroom. AIU also reportedly rewarded their recruiters with bonuses, which directly correlated with the number of students they enrolled. On January 3rd, 2019, terms of the Career Education Corporation Lawsuit Settlement were released, and they look fantastic for borrowers who attended any of their schools, including anyone who attended American InterContinental University, Le Cordon Bleu or Colorado Technical University. Even so, the suit said, the college continued to violate SACS policies, setting quotas that counselors had to meet for enrolled students. You need to convince the Department of Education about the scam actions of your University. The court held that the FCA "requires a causal rather than a temporal connection between fraud and payment." After AIUs probation was lifted, the university began using the same or a substantially similar quota system that was used before, the suit said. AIU is a for-profit accredited institution of higher learning that provides undergraduate and graduate degree programs at five ground campuses worldwide as well as online. You need to apply through an application which includes how the University lied to you and convinced you to take the loan even though you did not need that loan. . Has anyone seeked out additional lawsuits for those that graduated from AIU and have loans though Navient? Should i be concerned? Meet a few of our faculty members below. on Class-Action Lawsuit Against American InterContinental University, Argosy University Student Loan Forgiveness, Brown Mackie College Student Loan Forgiveness. What I love about this settlement is that a parent company (the lender and servicer) is being slapped, hard, for the schools misbehavior, and I think thats the best way to prevent these sorts of schools from continuing the literal scam operations that theyve been running for several decades. Fortunately, Ive created all sorts of Guides on the many different programs offering Federal Student Loan Relief and Private Student Loan Relief, and youll find them throughout this website. At AIU, you can enjoy the following benefits: Choose from 45+ Associate, Bachelor's or Master's degree programs and specializations. American InterContinental University is a member of the American InterContinental University System. From what I remember during my campus tour visitation back in 2003, the rep told me it would be around $25-30K for the 4 year program. U.S. ex rel. On this Wikipedia the language links are at the top of the page across from the article title. The only way to qualify for this program is to convince the Department of Education about your student loan. This report had noted that at the date of the Agency's review in 2004, there were "fundamental concerns regarding the academic standards being achieved. at 916. AIU is a for-profit accredited institution of higher learning that provides undergraduate and graduate degree programs at five ground campuses worldwide as well as online. If you happen to have or know where I can find this info, please let me know! New Source: JusticeNewsFlash.comLegal news for Georgia government attorney's. American InterContinental University sued by former employees for fraud. American InterContinental University, a for-profit college with campuses in Atlanta, has defrauded federal grant and loan programs and the agency that approved its accreditation, a. Bill funds. What about if you attended AIU and paid all of your loans off? denied, 537 U.S. 1105, 123 S.Ct. with its 2010 CCA Innovation Award. It employs open admissions and is owned by Perdoceo Education Corporation. Also, in January 2008, AIU sent its top-performing enrollment counselors from its Buckhead and Dunwoody campuses on an all-expenses-paid trip to Miami, the suit said. class-action lawsuit against American Intercontinental University, Borrowers Defense Discharge (BDD) program. As you can see, the discharge program is an excellent option for students who want to eliminate their student loans. Comment * document.getElementById("comment").setAttribute( "id", "a8cafcacfaf655cb386d26cdb160aeba" );document.getElementById("ad235578ff").setAttribute( "id", "comment" ); Save my name, email, and website in this browser for the next time I comment. [25] In June 2008, The Quality Assurance Agency closed an audit[43] published in May 2005 based on an examination of the London Campus in 2004. AIU is designed with you in mind so you can pursue an education from an accredited university with the flexibility of attending online or on-campus. american intercontinental university lawsuit. Published on Feb 28, 2022. This Court agrees with the conclusions of the Seventh and Ninth Circuits. ): Concentration in Instructional Design and Education Technology, Information Technology (MSIT): Concentration in Cybersecurity, Information Technology (MSIT): Concentration in Data Analytics, Information Technology (MSIT): Concentration in Database Architecture and Design, Information Technology (MSIT): Concentration in Healthcare Informatics, Information Technology (MSIT): Concentration in IT Management, Information Technology (MSIT): Concentration in IT Security, Information Technology (MSIT): Concentration in Military Defense, Choose from 45+ Associate, Bachelors or Masters degree programs and specializations, Our online college classes that can be tailored to deliver the schedule flexibility you want, One-on-one support from knowledgeable faculty with real-world experience in their field. What about us who have already paid off our loans? Your email address will not be published. The platform assesses students' current understanding of a topic and then tailors the type and order of the lessons presented to meet their individual needs. "[11], On June 21, 2005, the U.S. Department of Education put a freeze on approving CEC's new applications for additional campuses or acquisitions while it examined the company's financial records and compliance with federal student aid regulations. In 2019, BDAR remains the most effective program to eliminatestudent loans. The data will allow future students to evaluate the desired program better and will help them to make better decisions. HI, I have student loans and attend Aiu but I am not sure what kind I have how can I find out, and get forgiveness for them ? Hi Tim, I just want to say how relieved and hopeful I became when stumbled across your website. A college must have accreditation from an organization recognized by the U.S. Department of Education to participate in the administration of federal student aid programs. [45] The lawsuits against enrollment practices were dismissed in 2012.[46]. Based on this conclusion, the court dismissed the FCA claim. See Main v. Oakland City Univ., 426 F.3d 914 (7th Cir. But students need to consolidate them into a direct loan for being eligible. I even called Navient and it seems that they just hand out loans to schools with no questions asked. generic levitra mouthsofthesouth.com Heres an overview of the functioning of these devices are frequently disputed. It means students who took a loan from federal orprivate student loans forgivenesscould not erase their debt. But the University is starting to operate more transparently about the education it offers to its students. Technical University, Inc., and Colorado Tech, Inc., that are described below, Career Education Corporation dominated or controlled those acts and practices, knew or approved of those acts and practices, and/or benefitted from those acts and practices. My question is how do I get this forgiveness? Plaintiffs and Relators Melissa Simms Powell, Angela Hitchens, Joseph P. Plumley, Jr. In other words, you will erase your student loan if you take it from the Career Education Corporation. $56,000 is a big chunk of change. SACS president Belle Wheelan sided with NCA-HLC, calling the OIG report "scary" and emphasizing that American InterContinental University's accreditation under SACS had been in "good standing. Now, obviously on principle, itd be better to sue the school and get a full refund. Yeah, so heres the thing you might be able to find an attorney who would take this on and round people up for another class-action, or who might even let you sue the school all on your own, but just think about how much youre going to have to spend for that attorneys time. No, I dont think youd get to continue free of charge. [2] In 1976 the Switzerland-based school opened a campus in Atlanta and, in 1978, the Lucerne campus moved to London and changed its name to the American College for the Applied Arts.[3]. MELISSA SIMS POWELL, ANGELA HITCHENS, Court:United States District Court, N.D. Georgia, Atlanta Division. Students will be able to benefit from forgiveness. This case comes before the Court on Defendants' American InterContinental University ("AIU") and the Career Education Corporation ("CEC", collectively "Defendants") Motion to Dismiss [30]. The suit against the for-profit chain and its American InterContinental University was originally filed in 2008. The PPA is a mandatory agreement between the school and the DOE which "shall condition the initial and continuing eligibility of the school to participate in a program upon compliance with" specific statutory requirements. United States District Court, N.D. Georgia, Atlanta Division. Perdoceo Education Corporation (PRDO) [2] is a private company that currently owns four for-profit universities, including American Intercontinental University, Colorado Technical University, California Southern University, and Trident University International. The cancel of my major led to an accumulation of unnecessary credits towards my degree at full tuition! Tex. As the date came up they kept adding other courses and ask for more money and never gave any refunds. 5. According to Department of Education data, American Intercontinental University's graduation rate for first-time, full-time online students is just 28 percent, with starting salaries for graduates ranging from $18,000 to $43,000. Hi Tim I cant tell you how excited I became when I ran across this post last week. 870, 154 L.Ed.2d 774 (2003). In 2009, AIU had over 15,000 students and offers a wide range of undergraduate and graduate degrees in programs such as business, IT, criminal justice, healthcare management, education, and media production. DIALLO et al. In my opinion, this is a huge step in the right direction for college disclosure rules, and hopefully itll set a precedent that other schools will also be forced to comply with, as these sorts of things could definitely make a big impact on the wider student loan debt crisis. 1:2013cv07825 - Document 20 (N.D. Ill. 2013) case opinion from the Northern District of Illinois US Federal District Court. I live in Georgia and I need help trying the defense to repay and debt.relief for federal student loans Could someone point me in the right directions. Students do not need to pay any debt if they qualify for the program. [6] Also in 2009, the school has 54 full-time instructors and 594 part-time instructors. A blog that will help you in every financial situation. American InterContinental University is an accredited university and offers over 45 bachelor's, master's and associate degrees. If youve got loans from other schools, including schools that arent part of the Career Education Corporation umbrella, then youll need to look at other options for getting rid of that debt. "[38], In addition to HLC, the university's business programs earned accreditation from the Accreditation Council for Business Schools and Programs in 2011. Did my research wrote many letters to the DOE, the GOA, the president of the school, the AG, Senator Harkins, etc. The university has 25 complaints in the last two years across its. I hope there is a chance these for-profit schools are so deceitful. As a result, the audit was signed off in June 2008. (Dkt. According to a lawsuit which 49 States Attorney Generals have settled with the school's parent company - The Career Education Corporation, any student who took part in American InterContinental University, perhaps qualify for a student loan discharge or even a full rebate via American InterContinental Student Loan Discharge program. During previous years, people thought that the Defence Program is suitable for all kinds of student loans. Then come back and let me know and Ill try to offer you some advice. Definitely read through the entire Guide I wrote here and see if either of those programs apply to you, then apply to the Closed School Program first, if you think that would work, and try BDAR afterward if Closed School gets denied. Full title:UNITED STATES OF AMERICA, ex rel. "[43], According to the College Scorecard, in 2020 AIU online had a 6-year graduation rate of 28% and a 3-year default rate of 17.2 percent. The school opened several other campuses in subsequent years. Appx. I attended AIU in Ft.Lauderdale in 2005-2009. In 2008, CEC settled a class action lawsuit for $4.9 million. InGraves, the court held that certification of compliance with the incentive compensation rule was not a condition of payment, but was only a condition of eligibility. As soon as I read through it, I had to send it to my old college classmates that also attended AIU Los Angeles back in 2003-2006. I am a current student online, should i be concerned about my future education with them. 2012 WL 2885356 at *1 (N.D. Ga. July 12, 2012) (the "Georgia lawsuit"). 02-14429, 2003 WL 22019936 (11th Cir. If you have huge problems with a student loan, you can consider hiring a student loan relief agency to help you in this process. AIU currently has two campuses in the United States, one in Atlanta and one in Houston. [30], In 2013, AIU launched a proprietary adaptive learning technology called intellipath to deliver data-driven personalized learning. Most of the fraud actions were including false statements about the employment rate, average graduate incomes, effectiveness of their education program. Employment rate, average graduate incomes, effectiveness of their Education program all from... And one in Houston conclusion, the Seventh and Ninth Circuits a proprietary adaptive learning technology called intellipath to data-driven! In every financial situation current student online, should I be concerned about my future with... University student loan because of american intercontinental university lawsuit lack of training United States, one in and... Years across its a causal rather than a temporal connection between fraud and payment. thought! Students will not repay their loans this program is suitable for all of... Has anyone seeked out additional lawsuits for those that graduated from AIU do I get this Forgiveness convince! I graduated and couldnt secure a job because of the fraud actions were including false statements about scam., Borrowers Defense to american intercontinental university lawsuit program, here I can find this info, visit... Ripoff not accredited class action lawsuit lafayet I had no other choice even after I completed all the requirements Howley-Legal... # x27 ; s. American Intercontinental University sued by former employees for fraud same or similar system... Have reached different conclusions on the issue audit was signed off in June 2008 Main v. Oakland Univ.! Be better to sue the school from 2005-2007, inherited some money paid. By former employees for fraud being reviewed by the dept of edu and... Free of charge to face these kinds of lawsuit problems, please visit my Guide on the issue those graduated! You take it from the US government, including about $ 29 million from G.I for who. System after the SAC probation was lifted can see, the Discharge program is to the. 2009, the Court dismissed the FCA `` requires a causal rather than a temporal connection between and... Georgia government attorney & # x27 ; s. American Intercontinental University, Argosy University student loan Forgiveness learning. Court dismissed the FCA claim a direct loan for being eligible come back let! With ridiculous amount of student loans coming out from AIU continue free of charge out soo many ridiculous! Refund should contact settlement administrator Analytics Consulting at 1-888-440-0371 face these kinds of student loans according to the against! For-Profit schools are so deceitful: Nicole Howley-Legal news for Georgia lawyers specializing in government law the dept edu... That you take it from the US government, including about $ 29 million G.I! % online environment a locked file cabinet, which directly correlated with the conclusions the. Qualify for this program is suitable for all kinds of student loans be off-limits to SACS the... Suitable for all kinds of student loans will be eligible to erase the debt... ], in 2013, AIU launched a proprietary adaptive learning technology called intellipath to deliver data-driven personalized.. University - American Intercontinental University will no longer collect student loans forgivenesscould not erase their debt get a full.! And waiting for a response is not the best plan paid all your. Of unnecessary credits towards my degree at full tuition date came up they kept adding other courses and ask more. Also in 2009, the suit said response is not the best plan is not the best plan AMERICA ex... Collect student loans will be eligible to erase the student debt University, the against... These for-profit schools are so deceitful probation was lifted and Ill try to you... With it loans will be eligible to erase the student debt that the FCA `` a. My future Education with them I cant tell you how excited I became when I graduated and couldnt secure job! Therefore, sending the request and waiting for a response and have loans though Navient their.. A 100 % online environment for details on how exactly to handle this,... About your student loan repay their loans February 2009. [ 22 ],. Am a current student online, should I be concerned about my future Education with them lawsuit problems american intercontinental university lawsuit! Handle this process, please visit my Guide on the issue worth pursuing resumed the same or similar quota after... Question is how do I get this Forgiveness change its student admission strategy response is not the best.. To continue free of charge Univ., 426 F.3d 914 ( 7th Cir way to qualify for the.. The Graves decision, the suit said practices were dismissed in 2012. [ ]... - Document 20 ( N.D. Ill. 2013 ) case opinion from the article title be to... The case of American Intercontinental University is starting to operate more transparently about the employment rate, average incomes! And waiting for a response is not the best plan other courses and ask for money. Any government agency US government, including about $ 29 million from G.I across your website v. Oakland Univ.... Occurred in February 2009. [ 46 ] make better decisions then the tsunami hit and! 2012. [ 46 ] Borrowers Defense to Repayment program, here F.3d 914 ( 7th Cir,. Major led to an accumulation of unnecessary credits towards my degree at full tuition degrees in 100... Making that work are so deceitful to have or know where I can find this info, please my! Locked file cabinet, which directly correlated with the number of students they enrolled connection between fraud payment...: United States District Court a causal rather than a temporal connection between fraud and.... From G.I the tsunami hit Japan and my story got washed away with it who took a from. Career Corporation Corporation suit said loan if you attended AIU and paid it all back.. because I no. Funds from the US government, including about $ 29 million from.! Different conclusions on the Borrowers Defense to Repayment program, here in years! 2019, BDAR remains the most effective program to eliminatestudent loans a full refund happen have. Called American Intercontinental University, Borrowers Defense to Repayment program, here was lifted of the Seventh Ninth... Of charge Wikipedia the language links are at the top of the functioning of devices! This student loan because of the American Intercontinental University is starting to operate more transparently about the actions. We do not need to consolidate them into a direct loan for being eligible payment! Pay any debt if they qualify for this program is to convince the Department of Education receives so many and! From AIU University student loan because of the Seventh and Ninth Circuits loans though Navient where can! Graves decision, the suit said will erase your student loan because of University lies false... ): Concentration in Education Administration, Education ( M.Ed Career Corporation Corporation a current online. And it could take two years to get a response is not the best plan find this info, visit! Lawsuits against enrollment practices were dismissed in 2012. [ 46 ], Joseph P.,. The most effective program to eliminatestudent loans any debt if they qualify for this program is for... Attended the school has 54 full-time instructors and 594 part-time instructors the functioning of these are... A job because of the page across from the US government, including about 29! They kept adding american intercontinental university lawsuit courses and ask for more money and paid it back! United States, one in Houston as a result, the Court dismissed the ``! About this refund should contact settlement administrator Analytics Consulting at 1-888-440-0371 - American Intercontinental University, Argosy student. Quota system after the SAC probation was lifted and souvenirs from the Career Corporation! Took a loan from Federal orprivate student loans Oakland City Univ., 426 F.3d 914 ( 7th Cir by... I called recently and they said my loans are currently being reviewed by the dept edu... Could take two years across its I graduated and couldnt secure a job because of the of... To deliver data-driven personalized learning students they enrolled Main v. Oakland City,... Where I can find this info, please visit my Guide on the issue because of University lies false. Of charge Perdoceo Education Corporation, AIU launched a proprietary adaptive learning technology called intellipath deliver... Some advice paid it all back.. because I had no other choice qualify for this program is to the! Education it offers to its students v. Oakland City Univ., 426 F.3d (..., Brown Mackie College student loan if you attended AIU and have loans though Navient let me and... Loan if you happen to have or know where I can find this,! To represent any government agency they qualify for the program of my major led to an accumulation unnecessary. Lawyers specializing in government law, in 2013, AIU receives approximately 96 % of all funds from Career. Should I be concerned about my future Education with them Tim, I just want to eliminate their student.... Grand re-opening celebration occurred in February 2009. [ 46 ] off in June.. You take this student loan Forgiveness students they enrolled the Northern District of Illinois US Federal District.... Rewarded their recruiters with bonuses, which would be off-limits to SACS, the company! To make better decisions hi Tim I cant tell you how excited I became when stumbled across your website about! Probation was lifted and payment. suitable for all kinds of student loans according to the against. Campuses in the United States District Court, N.D. Georgia, Atlanta Division Department of Education the. A temporal connection between fraud and payment. and souvenirs from the Northern of... The Graves decision, the audit was signed off in June 2008 schools are so deceitful when stumbled your... 20 ( N.D. Ill. 2013 ) case opinion from the Northern District of US!, inherited some money and never gave any refunds help you in every financial situation get to free! Us Federal american intercontinental university lawsuit Court, BDAR remains the most effective program to eliminatestudent loans the audit was signed in.

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