University of Phoenix Student Loan Forgiveness: Everything You Need to Know

University of Phoenix Student Loan Forgiveness. Are you a former University of Phoenix student? Find out if you qualify for student loan forgiveness and learn how to apply with our step-by-step guide.


Find out if you qualify for University of Phoenix student loan forgiveness. Learn eligibility criteria, application processes, and tips for increasing your chances of approval.

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If you attended the University of Phoenix between September 2012 and December 2014, you might be eligible for significant student loan forgiveness.

The U.S. Department of Education has launched a program to help borrowers deceived by the university’s job placement claims.


This article explains the eligibility criteria, the application process, and other essential details.

What is Student Loan Forgiveness?

Before we dive into the University of Phoenix specifics, let’s clarify student loan forgiveness. It’s a government program that relieves eligible borrowers from some or all of their student debt. Common reasons for forgiveness include:

  • Public Service Loan Forgiveness (PSLF): Working full-time in eligible public service jobs.
  • Teacher Loan Forgiveness: Teaching in low-income schools for five years.
  • Income-Driven Repayment (IDR) Forgiveness: Making payments under an IDR plan for 20-25 years.
  • Situational Forgiveness: School closure, disability, incorrect certification, etc.

University of Phoenix Student Loan Forgiveness: The Details

The Department of Education found that the University of Phoenix engaged in deceptive advertising practices during a specific period.

This led to a program specifically for individuals who enrolled between September 21, 2012, and December 31, 2014.


  • You attended the University of Phoenix during the specified timeframe.
  • You believe the university misled you about job placement or other aspects of your education.

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How to Apply for University of Phoenix Student Loan Forgiveness

  1. Visit the Borrower Defense Website: Go to for information and to start your application.
  2. Gather Your Evidence: Collect documents like promotional materials from the university, your enrollment records, transcripts, loan statements, and any other relevant information.
  3. Complete the Application: Provide detailed explanations of how you were misled and submit your supporting evidence.
  4. Submit and Wait: After submitting, the Department of Education will review your application and decide on your eligibility.

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Additional Notes

  • Existing FTC Settlement: Those who received refunds from the FTC settlement with the University of Phoenix are still eligible to apply.
  • Review Time: It may take several months for the Department of Education to process your application.
  • Other Forgiveness Options: Explore other federal loan forgiveness programs; you may qualify for multiple pathways to debt relief.


Student loan debt weighs down millions of borrowers. The University of Phoenix loan forgiveness initiative provides a lifeline to those who may have been misled during their enrollment period.

Take advantage of this opportunity if eligible and potentially free yourself from a significant financial burden.