PPSL wants to hear from borrowers who applied for borrower defense after November 15, 2022 (the Sweet settlement deadline) and have recently received a denial. We are especially interested in hearing from borrowers with consolidated loans. This survey is not for Sweet v. McMahon class members who have received a denial.
The Department of Education has been reviewing certain borrower defense (BD) to repayment applications under a narrow and limited set of borrower defense regulations that became law under the One Big Beautiful Bill Act of 2025 and apply to loans disbursed on or after July 1, 2020. These regulations include a requirement for a BD application to be filed within three years after you last attended your school. PPSL has heard that the Department has also been applying this harsh standard to deny borrower defense relief to borrowers who consolidated their loans after July 1, 2020, even though their original loans from the predatory school were dispersed years earlier.
Though we cannot respond to every survey, your response will help us further investigate this issue.
If you are a Sweet vs. McMahon class member and your application was denied, do not complete this form. Please note, post-Sweet is NOT the same as Sweet post-class. You can visit
Sweet FAQs page for information.
If you would like general information about federal student loan borrower defense to repayment, please read here. You also can contact PPSL about predatory school and student loan issues you are facing through our general intake form.