EXHIBIT 27 - Predatory Student Lending · Exhibit 27 p. 5 27. (ID 7109), California-Lathrop,...

Villalba et al. v. ITT ESI et al. (In re ITT ESI, No. 16-07207-JMC-7A) Exhibit 27

p. 1

EXHIBIT 27

1. ████████████(ID 8963), Alabama-Bessemer, Software Engineering, 3/2007-12/2010:

“There is no way I could further my education. I couldn't afford after seeing how many loans that school took out. I'm around 68k in debt.”

2. ███████████ (ID 8011, 6091), Alabama-Bessemer, CNS Computer Network Systems, 6/2005-6/2007:

“I have too many student loans due to ITT to be eligible to ever go to school.”

“Due to ITT tech I owe too much money in loans to take out any new loans to back to school.”

3. █████████████████████████ (ID 9144), Alabama-Bessemer 9/2007-3/2012:

“I can't attend another school unless I pay for it out of pocket due to no more financial aid is available to me. This has led me to be stuck in jobs that I have to teach myself in order to accomplish or sustain a position.”

4. ████████████ (ID 4835), Alabama-Bessemer, MultiMedia/Game Design, 8/2004-5/2008:

“After the LACK of education I received from the school, I wanted to attend another school but couldn't because I was maxed out on loans.”

5. ████████████████████████ (ID 4710), Alabama-Bessemer, 3D Game Design, 8/2004-8/2008:

“ITT Technical Institute put me in a great amount of debt, that I am not able to go to another college until the debt with this school is settled.”

6. ██████████████ (ID 2619, 9720), Alabama-Madison, Electrical and Electronics Engineering Technology, 6/2012-12/2014:

“I'm not sure if I've actually hit my ceiling or not (from my understanding everyone has one) on how much federal aid I can receive for my education, but I'm sure the nearly 50K that ITT took out "on my behalf" has to be pretty close. The thought of owing that already puts me into a depression; the idea of adding to that on another school that I'll also have to put another 4 years into for a BS is just too much. I just can't.”


p. 2

“Might sound like whining, but honestly I've been depressed as hell since this all happened and it came to light for me that I'd been scammed. I live an hour away from where I was going to school and at the time I was fairly newly married. I think about all the gas I burned, all the late nights I was up there doing classes, staying up to do busywork homework that didn't do anything for me. All the hard work and money I spent on parts for projects that were basically high school level science fair stuff. Time I spent away from my wife, and time I didn't have to be around my Mom before she passed not long ago. It's two and a half years of my life down the tube and the only reward is just about 40K in debt.”

7. ████████████████ (ID 8979), Alabama-Mobile, Information Technology - Computer Network Systems, 9/2009-9/2011:

“Due to the amount of (predatory) student loans I have accrued by attending ITT Technical Institute, I am currently holding myself back from furthering my education. I fear that doing so would put me in a much more dire financial situation than I am current in, and for that reason, I am not currently pursuing a Master's degree (or further) at a more highly rated and respectable college.”

8. ████████████████ (ID 7136), Arizona-Tempe, 1/2005-5/2007:

“I wish I could attend my local university, But it's impossible with ITT on my resume”

9. ██████████████ (ID 7518), Arizona-Tempe, Information Technology/Computer Network Systems, 9/2008-11/2010:

“I tried to contniue my education at ASU and University of Phoenix but could not afford my BA since ITT Tech loans capped my loans for my education.”

10. ██████████████ (ID 7953), Arizona-Tempe, IT/CNS, 5/2009-5/2011:

“I am 50k in debt. There is no possible way that I can take out additional loans to redo an associates degree that I already worked for.”

11. ████████████████████ (ID 8160), Arizona-Tempe, 3/2006-3/2008:

“Due to the already crippling loan amounts, I could not enroll at other colleges without having to pay large amounts out of pocket due to loan restrictions.”

12. ████████████████ (ID 9415), Arizona-Tempe, Information Security, 3/2006-6/2011:

“Due to the high amount of debt caused by ITT tech I am now unable to go back to school as I cant afford any more student loan debt.”


p. 3

13. ████████████████ (ID 5188), Arizona-Tucson, 6/2003-5/2005:

“Due to my loans being so big and my credit shot. I have not been able to apply for any other financial aid for school.”

14. ███████████ (ID 8674), Arizona-Tucson, Information Systems Security, 9/2006-6/2010:

“I wanted to get my masters, but the amount of student debt accrued from ITT Tech is discouraged any further education.”

15. ██████████████ (ID 5391), Arkansas-Little Rock, Criminal Justice, 3/2007-7/2010:

“I found out that I could NEVER get any more money for my education due to ITT Tech's fruadulant practice of STEALING my excess loan money in which they claimed to have returned to my lenders but never really did.”

16. ████████████████████(ID 3874), Arkansas-Little Rock, Visual Communications/Game Design, 6/2002-3/2008:

“As I stated above I tried to apply at University of Washington and ITT Technical Institute had maxed out all of my grants and loans so it wasn't possible for me to attend unless I could pay out of pocket.”

17. ████████████ (ID 9111), Arkansas-Little Rock, 10/2011-12/2012:

“ITT says I owe them almost $3,000...I can't go anywhere else BC that won't release my transcript. I've tried for a few years now to talk to someone about this and nobody has answers. I called ITT several times and nobody there could or would help me. They know they did me wrong.”

18. █████████████ (ID 3721), Arkansas-Little Rock, Criminal Justice, 9/2006-6/2010:

“I tried to start over at Pulaski Tech in Little Rock, AR. I knew I had to do something since my first degree was useless. Once they ran my information for financial aid I was told that everything would have to be out of pocket because ITT had drained every dollar of my undergraduate funds.”


p. 4

19. █████████████████████ (ID 7744), Arkansas-Little Rock, Graphic Design Mulimedia, Game Design, 6/2005-9/2009:

“I've tried multiple times to further my education but because of ITT's handling of my loans I'm unable to get any loans for school and would have to pay out of pocket for each class. And due to not being employed, because of ITT, I cannot pay for the classes out of my own pocket.”

20. ███████████ (ID 7942), California-Anaheim, Digital Entertainment And Game Design, 6/2004-6/2009:

“[I] can not afford to owe more for school that i would have to start up from the begging again.”

21. ██████████████ (ID 7708), California-Clovis, CEET, 1/2014-1/2010:

“Tried to go elsewhere only to be turned away.”

22. ██████████████████ (ID 7990), California-Clovis, Information Systems and Cybersecurity, 12/2009-12/2013:

“ITT-Tech not only ruined my credit but ruined any chance of me attaining any legitimate degree from a respected college. I have maxed out on my federal loans and currently can't afford to pay my way into another. I am totally and completely helpless at this point.”

23. ███████████ (ID 8198), California-Corona, Information Technology Networking, 12/2009-6/2012:

“I would like to go back to school, but not able to afford it on my own, I am Maxed out on school loans and not able to afford to pay.”

24. ██████████████ (ID 5853), California-Culver City, 10/2010-9/2013:

“All my financial opportunity is used by them. Can't apply till I clear up debt”

25. ████████████████ (ID 8010), California-Lathrop, 1/2006-1/2012:

“When I tried enrolling to another school for another program I was told ITT-Tech had used all of my Financial aid which was an estimated 50,000.00 thousand.”

26. ██████████████ (ID 7646), California-Lathrop, 1/2007-1/2009:

“$40k for an associates degree that means nothing. I havent been able to pay that sum down since i graduated in 2009. I will not be able to further my education because of this scam and now i am stuck with this outrageous debt for a degree i did not feel i learned anything from.”

Villalba et al. v. ITT ESI et al. (In re ITT ESI, No. 16-07207-JMC-7A)

Exhibit 27

p. 5

27. (ID 7109), California-Lathrop, 3/2006-6/2008:

“Because ITT Tech tricked me into getting private student loans I no longer qualify for any more

loans, my debt is too great. Plus even if i got more loans i could never repay them at this point.”

28. (ID 4863), California-Lathrop, Information Technology Computer

Networking Systems, 9/2011-5/2013:

“I'm $50000 in debt and my credit is shot so getting more aid for schooling is impossible.”

29. (ID 8973), California-National City, 12/2009-9/2013:

“Couldn't justifiably get myself into more debt. Didn't want to be had once again by another

educational organization.”

30. (ID 9336), California-National City, CEET, 7/2007-9/2009:

“I can't go to a 4 year university because I am unable to take out anymore loans due to poor

credit.”

31. (ID 2608), California-National City, Computer Network

Systems, Network Systems Administrations, 2/2011-6/2014:

“I can enroll in my community college but only because in CA, the bog waiver covers me. I can

still take out Pell (for now) but there's no way that I can take out loans for a 4 year college and

no way that I can pay for it out of pocket.”

32. (ID 9342), California-Orange, Information Systems and Cyber

Security, 6/2011-6/2015:

“Can't even enroll to get my Master degree because of my loan.”

33. (ID 8440), California-Orange, Data Communications

Systems Technology, 6/2007-6/2011:

“As I tried to look at other options to pursue my MS I only found private schools which meant

taking more debt. I cannot afford to do that so I had to stop pursuing my dreams.”

34. (ID 4731), California-Orange, 10/2010-12/2012:

“The amount of student debt is already so high that trying to enroll in another school would

bankrupt me. I am barely getting by with the money I am making now.”


p. 6

35. ███████████ (ID 5718), California-Oxnard, Game Design, 2/2011-5/2014:

“I would love to get a proper degree, and ITT robbed me of that.”

36. ████████████ (ID 8300), California-Oxnard, AS Multimedia, BS Digital Entertainment and Game Design, 6/2003-3/2007:

“I would absolutely love to go back to school and try to better myself. I do not like living paycheck to paycheck which is the original reason I went to ITT. My plan was to not have to struggle the rest of my life and actually make something of myself. I'm still nearly $30k in debt and the thought if adding to that is terrifying.”

37. ██████████████ (ID 8020), California-Oxnard, Criminal Justice, 12/2007-6/2013:

“I am capped out on student loan debt.”

38. ████████████████ (ID 8156), California-Oxnard, Computer Network Systems, 6/2010-6/2012:

“I had only $10k left before I hit my loan cap. That was gone in no time when I tried to continue my education at a state school.”

39. ███████████████ (ID 8361), California-Rancho Cordova, 7/2004-8/2005:

“I considered going back again to get my law degree but have no way to pay for it and am not qualified for student loans because of my current student loan status.”

40. ███████████████ (ID 5418), California-Rancho Cordova, Computer Networking Systems, 9/2005-6/2007:

“In 2012, I attempted to get school loans to enter a state school in Washington. I was going to start over as a freshman. I was told that I already had to many student loans in my name. I would have to get a private loan from a bank or pay for the classes myself. I was not able to do that, therefore I did not finish my schooling.”

41. ███████████████ (ID 5811), California-Rancho Cordova, Computer Network Systems, 9/2005-5/2007:

“I'm already so far in the hole there is no way I would ever take out more student debt to try and further my education.... again.”


p. 7

42. ███████████████ (ID 8291), California-Rancho Cordova, Information Systems Security, 12/2004-6/2010:

“With $120k in federal and private loans for the ITT-Tech degrees, I only qualify for private loans with higher than average interest rates if I want to restart my education.”

43. ██████████████ (ID 9287), California-Rancho Cordova, Project Management, 1/2011-9/2015:

“I have a serious fear about going into anymore student loan debt. So even though I should be starting over at a community college to get a real education I can't do it until something is done about the loans I currently have.”

44. ████████████████████ (ID 4497), California-Rancho Cordova, Network Systems Administrator, 6/2011-3/2013:

“ITT Tech completely robbed me of my entire Pell Grant. If I wanted to attend another school I would be forced to take out private loans or pay out of my own pocket.”

45. ████████████ (ID 9476), California-San Bernardino, Computer Electronics Engineering Technology, 6/2010-6/2012:

“I have not been able to pay my student loan debt for years now because of financial struggles, there is no way I could afford another student loan.”

46. █████████████ (ID 9186), California-San Bernardino, Criminal Justice, 10/2005-5/2010:

“In order to go back to school; I would have to pay out of pocket for each semester.”

47. ███████████████ (ID 9500), California-San Bernardino, Computer Networking Systems, 6/2008-6/2010:

“The amount of debt is hindering me to continue to try and apply to continue my education.”

48. ████████████ (ID 9585), California-San Bernardino, 9/2008-1/2009:

“I can no longer apply to colleges that could help me find a better job. Because I can not take out any more loans because of how much I have to pay back.”

49. █████████████ (ID 8595), California-San Diego, Computer Drafting and Design, 9/2001-7/2003:

“Credits were not transferable. So when I wanted to further my education I had to start over again. Eventually had to drop out because I couldn't afford to pay off loan, intern and take on new studies while trying to pay bills.”


p. 8

50. ███████████████████ (ID 8529), California-San Diego, 9/2010-6/2012:

“We had other schools come in to ITT to take us away with their Associates and Bachelor Degrees, but our credits weren't 100% transferable due to the way ITT Tech Credits are/were. I couldn't see myself being able to financially go into another school, finish another Associates and that school's Bachelors Degree and be able to survive on my struggling wages at that time and even now with ITT Debt and another schools Debt added together.”

51. ████████████ (ID 9096), California-San Dimas, Computer Electronics Engineering Technology, 6/2006-2/208:

“I wanted to take additional classes at another school to obtain a certificate for a specific job, but i was unable to because of my high student loans taken out, and my high student loan debt. Unable to continue my education and pursue a high salary job to repay my student loans.”

52. ████████████████ (ID 7329), California-San Dimas, Computer Networking Systems, 1/2006-1/2008:

“After graduation and after reviewing my loans, I made the decision to try finding work in my field first prior to additional education. Lack of interested employers has since forced me to file bankruptcy and I am weary of any other for profit colleges. And I don't have the financial backing or the credit now to apply for a 4 year university.”

53. █████████████████ (ID 8004), California-Sylmar, 9/2006-3/2008:

“I tried to start all over again at a Junior college and it was hard, I took out a small student loan of which I received the money and I used it to pay off my credit cards that I was using to live off of and the banks closed my credit cards so I was left without the money. Consequent to the large extent of loans I had acquired at ITT Tech I decided to stop adding to an already large debt.”

54. ████████████████ (ID 9094), California-Sylmar, Electronics and Communications Engineering Technology, 9/2005-5/2009:

“The massive amount of student loan debt I amass from ITT Tech will just put my future life on hold for many, many more years and taking on more debt to join another school will just ruin my life. All money that I earn from work will just go to student loan debt and I will not be able to afford my car, gas, groceries or the necessities in my life.”

55. ████████████ (ID 7706), California-Sylmar, Electronics and Communications Engineering Technology, 1/2003-12/2007:

“I would have to pay in cash to enroll into another school because of defaulted federal school loans.”


p. 9

56. ██████████████████ (ID 4316), California-Torrance, Criminal justice, 11/2004-9/2008:

“Maxed my money out for school.”

57. ███████████████████ (ID 9481), California-Torrance, Computer Electronic Engineering Technology, 12/2010-12/2012:

“After having more than approximately 30k for just an AA degree, I can not affford to go back to school and risk more loans to pay off. I am already on income sensitive as it is and can't afford to pay off even the intrest rate as it is compounding.”

58. ███████████████████ (ID 4265), California-Torrance, 2/2005-6/2009:

“I wish to begin my educational journey over at an actual accredited school. Unfortunately I am unable to afford it due to the vast student loan debt I am currently in and have been paying every month.”

59. ██████████████ (ID 6997, 9311), California-West Covina, Computer networking systems, 1/2003-11/2005:

“[I] could not afford to go to another school and get the proper education i needed in my field.”

“I couldn't enroll in another school because I couldn't take out more student loan debt , i was maxed out and had no cosigners to get more debt....”

60. ██████████████ (ID 9710), California-West Covina, 3/2007-9/2009:

“I owe so much I can't have another chance to go to college. My life is ruined.”

61. █████████████ (ID 5518), California-West Covina, Criminal Justice, 6/2006-9/2007:

“I turned to the health field and wanted to go to Nursing school, but because of my debt I could not. I had to pay out of pocket for my medical assisting certification.”

62. ██████████████████ (ID 9222), Colorado-Aurora, Construction Technology, 10/2012-6/2015:

“I value education, spent 2.5 years working on a degree from ITT tech and got myself in a "life long debt" and am unable to go to another school with this hanging over my head.”


p. 10

63. ████████████ (ID 8964), Colorado-Aurora, Network Systems Administration, 12/2012-12/2014:

“I certainly can't afford more student loans or the time to start over at a different institution to redo the associates degree and obtain the bachelors degree.”

64. ████████████████ (ID 8944), Colorado-Denver, ITCNS - Computer Network Systems, 9/2006-5/2009:

“I am unable to obtain loans to attend certification training.”

65. ████████████ (ID 9229), Colorado-Westminster, Communications & Electronics Engineering Technology, 3/2005-6/2010:

“The attempt to transfer credits and the costs associated with being able to enroll and pursue a respected education was too high of a financial burden after the devalued ITT tuition. My inability to obtain a higher paying job after attending ITT made it impossible to start new tuition fees out of pocket. Due to the large amount of federal debt I was in from attending the devalued ITT, ruled out the option take on even more personal loans to fund continued education after graduation and in the present after 5 years from graduation.”

66. ████████████ (ID 8066), Colorado-Westiminster, Network Systems Administration, 12/2013-12/2015:

“ITT was so expensive, it's almost impossible for ME to further my education.”

67. ███████████ (ID 8335), Florida-Bradenton, 3/2011-12/2013:

“ITT took out so many loans the other school i wanted to attend said i had to pat off my loans or at least start but i dont have the money to do that.”

68. ██████████████████ (ID 7035), Florida-Doral, Information Systems Security, 11/2006-5/2010:

“I was unable to get further loans.”

69. ██████████████ (ID 6661), Florida-Doral, 3/2005-6/2007:

“I thought of enrolling back to school but it turned that I didn't qualify for financial aid and had to apply for loans which I don't qualify because I already reach limits. I can't afford school...I will need some type of help.”


p. 11

70. ███████████████ (ID 4169), Florida-Fort Lauderdale, Multimedia, 7/2004-4/2007:

“ITT Tech completely exhausted my federal funding and forced me to take out high interest private loans to finish my "education". Because of this I could not go to a respectable school since I had no more funding to use.”

71. ██████████ (ID 2626), Florida-Fort Lauderdale, Multimedia/Animation, 1/2002-1/2004:

“There was already 40k in payments I needed to make back and I only had the option to attend ITT again but I was afraid of having the same experience. Now I can't get student loans for any other schools since I'm still in debt.”

72. █████████████████ (ID 9396), Florida-Fort Lauderdale, Electronics Engineering Technology, 11/1999-9/2003:

“After I found out I couldn’t transfer any of my credits, I was already in over $15,000 of debt to ITT so it financially prohibited me from withdrawing and starting at another school to continue my education.”

73. █████████████████ (ID 8369), Florida-Fort Lauderdale, Network System Administration, 9/2011-12/2014:

“If I wanted to get a bachelors at another school, I would have to start over. I am currently at 43K debt. Up to a bachelors, I can only take out 54K in federal loans. How am i supposed to get an associates and bachelors degree for 9K? It's simply not possible.”

74. ███████ (ID 8803), Florida-Fort Lauderdale, Computer Drafting and Design/Project Management, 5/2008-12/2013:

“[T]ried to go to grad school but cant take loans out[.]”

75. ███████████████ (ID 8933), Florida-Fort Lauderdale, CyberSecurity, 9/2009-12/2013:

“I couldn't enroll in another school because I couldn't take out more student loan debt.”

76. ██████████████ (ID 5615), Florida-Jacksonville, Computer Aided Drafting & Design, 6/2000-5/2002:

“I amassed enough debt that enrolling anywhere else wasn't an option.”


p. 12

77. █████████████████████████████(ID 4413), Florida-Lake Mary, Computer Drafting and Design, 12/2010-12/2014:

“Furthermore, a UCF recruiter told me over the phone about the little probability of taking out more student loans because I already had too much on my name.”

78. █████████████ (ID 8042), Florida-Lake Mary, Data Communications Systems Technology, 5/2005-5/2009:

“Due to the debt, I can't afford to pay for another school and don't think it's feasible to collect further student loan debt.”

79. ████████████████ (ID 4103), Florida-Lake Mary, Electronic Engineering Technology, 9/2013-7/2015:

“I want to better myself but now I'm leery of all schools and I would just go to a university or state school but I can't afford to now.”

80. ████████████████ (ID 7970), Florida-Lake Mary, Criminal Justice, 9/2007-10/2009:

“ITT maxed out my loan amount without my realizing leaving me unable to even enroll in another college to try to receive a credible degree.”

81. ██████████████ (ID 4148), Florida-Lake Mary, 9/2013-6/2015:

“I am unable to take out any more student loans meaning I would have to pay for Valencia college as I attended therefore I am NOT attending college at this time due to my loans that are with ITT Tech.”

82. ███████████ (ID 7653), Florida-Tallahassee, 1/2010-6/2012:

“I have too much debt into ITT to ever be able to afford another student loan being that I have to start from the ground up.”

83. █████████████ (ID 5291), Florida-Tallahassee, 9/2004-5/2006:

“I have attempted to go back to school to complete a BS. And due to the number of student loans from I.T.T Tech I am unable to apply even for a FASA.”

84. █████████████ (ID 5358), Florida-Tampa, 9/2004-5/2006:

“When enrolling I found out because of all of the debt I have because of ITT, I did not qualify for financial aid. I have to pay out of pocket for everything. I can barely afford the out of pocket costs to take two classes per semester. One semester I couldn't afford to take even one.”


p. 13

85. ████████████ (ID 6415), Florida-Tampa, 11/2006-11/2009:

“Looking at the job requirements that meet the pay grade I was promised I need to go back to school to get Linux, Cisco, A+, Ethical Hacking, and other certifications which I can not afford to take at this time due to limited hours after work, and monthly student loan payments 6 years later.”

86. ██████████ (ID 4453), Florida-Tampa, Digital Entertainment & Game Design, 1/2005-3/2009:

“I only attended my local community college for a single semester, and only for one class. I have to pay for the credits and materials out of my pocket due to the fact that my loan debt is still an issue.”

87. ██████████ (ID 9281), Florida-Tampa, Digital Entertainment and Game Design, 3/2006-3/2009:

“ITT Tech exhausted all of my available Federal Student Loans[.]”

88. ██████████████████ (ID 9339), Florida-Tampa, 1/2007-11/2010:

“I was informed by SallieMae/Navient that I would not be able to go back to school because of this Debt, until it is paid.”

89. ████████████ (ID 8691, 8316), Georgia-Atlanta, Information Systems Security, 9/2008-12/2012:

“I tried to enroll in Herzing University and was told that I have reached my limit for undergrad education.”

“I was told at Devry that I was at my maximum for undergrad education when I tried to attend in 2010.”

90. █████████████ (ID 8894), Georgia-Duluth, Computer-Aided Drafting and Design, 9/2003-9/2005:

“I can't afford the loans I have, much less any others. Plus, I'm now worried that any other degrees I get won't get me any further either.”

91. ██████████ (ID 7935, 4369), Georgia-Kennesaw, Computer Science, Information Technology, 8/2009-2/2010:

“I wanted to go back to school but I wasnt able to because of the almost $18K debt ITT Tech gave me in just a yrs worth of schooling.”


p. 14

“Because of the situation i was in (Debt) with ITT Tech I couldnt enroll to another school because of my outstanding debt I had already had with ITT.”

92. ███████████ (ID 5074), Georgia-Kennesaw, Graphics Design, 9/2005-12/2007:

“Because I've defaulted on my existing loans I can't take out new loans to enroll in a new program at a different school where I could start my degree over.”

93. █████████████ (ID 8873), Illinois-Arlington Heights, Criminal Justice, 1/2008-9/2011:

“Because of the massive debt, I cannot afford to take out more loans or pursue further education. That would not be even remotely financially possible because of the loans ITT has beset upon me.”

94. ███████████ (ID 9340), Illinois-Orland Park, Computer Electronics Engineering Technology, 9/2007-6/2010:

“My loans were so enourmouse that I couldn't risk going back to that school and to take out more loans.”

95. ██████████████ (ID 4318), Indiana-Carmel, 1/2002-1/2006:

“What this says, I couldn't due to the loans I already had and had in forbearance.”

96. ███████████████████ (ID 9337), Indiana-Carmel, Software Development, 3/2011-5/2013:

“I also cannot continue my education because I already cannot afford the student loans that I have, and taking out more student loans would not be financially responsible.”

97. ███████████████████ (ID 9150), Indiana-Carmel, Criminal Justice, 12/2007-11/2013:

“I did just recently enroll in another school to try out a different field, but I couldn't finish because of how much student loan debt I already have.”

98. ██████████████████ (ID 8150), Indiana-Fort Wayne, Criminal Justice-Incomplete, Visual Communications-Complete, 12/2009-6/2012:

“The last time I looked into it, they said I was at my borrowing ceiling. So, now I'm stuck with the 30,000 over my head and a useless piece of paper. It's so frustrating, I thought I was making the right decision going back to school.”


p. 15

99. ███████████ (ID 8446), Indiana-Fort Wayne, Multimedia Entertainment Design, 8/2006-4/2008:

“I have tried several times to approach finishing my degree or taking on another so I can qualify for a job with a high enough wage to pay down debts. Since I don't qualify for loans, all I'm left with is potential grants which aren't enough to pay my way to a degree.”

100. ████████████ (ID 7027), Indiana-Fort Wayne, 1/2011-1/2013:

“My loans are in default so there is no way I could afford to take out any more loans to continue school elsewhere and cannot afford to pay out of pocket for the classes.”

101. ████████████████ (ID 8830), Indiana-Fort Wayne, Digital Entertainment and Game Design, 9/2004-6/2008:

“I cannot afford to pay back the loans I currently have so having another loan to pay would be impossible for me.”

102. ██████████████ (ID 8217), Indiana-Fort Wayne, Computer and Electronics Engineering Technology, 3/2009-9/2011:

“I was able to get one semester in at IPFW before being told that I could no longer receive any assistance due to the debt incurred by ITT Tech. As such, I couldn't pursue a further degree there until I managed to somehow pay off the amount charged by ITT.”

103. █████████ (ID 7562), Indiana-Greenwood, 5/2010-8/2010:

“Couldn't afford to take out more financial aid after attending ITT tech[.]”

104. ████████████████ (ID 8796), Indiana-Indianapolis, , 9/2011-4/2012:

“I cannot afford to take on anymore student loan debt so I can't go to another school to rectify what ITT Tech set me up for.”

105. ███████████████ (ID 9151), Indiana-Indianapolis, Criminal Justice/Cyber Security, Business Administration, 11/2006-12/2012:

“There is no way that I would be able to enroll in to another school. I am over $117,000 dollars in debt on two degrees that are not even worth anything.”

106. ██████████████ (ID 8948), Indiana-Indianapolis, Associates in Applied Sciences, 9/2010-8/2012:

“Examining my options for a bachelors, I realized that due to my already high student loan balance, there would be many out-of-pocket costs to get through the degree program at a pay-to-play school. Too high to enroll in.”


p. 16

107. ███████████████████ (ID 8419), Indiana-Indianapolis, 9/2006-8/2008:

“My student loans are in excess of $80,000 (according to my credit report) and while I would like to pursue a degree in the field of work I have been in for over 15 years I just cannot put myself or my family in further debt.”

108. █████████████████ (ID 7712), Indiana-Indianapolis, ASN- Associate of Science in Nursing, 9/2009-6/2013:

“I owe the maximum amount allowed for only having an Associate degree. I have to pay down some of this before i can receive more federal loans, or i have to pay cash if i want to further my education.”

109. █████████████ (ID 9236), Indiana-Indianapolis, Visual Communication and Graphic Design, 6/2010-9/2012:

“I did attend Indiana University for Cognitive Science but couldn't continue onward to neuroscience due to crippling debt and having attended school for so many years already.”

110. █████████ (ID 8968), Indiana-Indianapolis, CAD, 8/1996-5/1998:

“I went to another school years later and earned my Associates, upon completion I went into a Bachelors program and was unable to complete because I had maxed out the amount of student loans available to me.”

111. ████████████ (ID 9130), Indiana-Indianapolis, Network Administration, 6/2010-6/2013:

“I can never attend higher educational institution of any type (online or brick-and-mortar) due to my excessive high debt due to matriculation at this spam institution.”

112. █████████████ (ID 9590), Indiana-Indianapolis, Network Systems Administrator, 6/2012-9/2015:

“I couldn't enroll in another school because ITT Tech took most if not all of my financial aid when I decided to go to the Art Institute. They (Ai) had to set me up on a monthly payment plan to pay out-of-pocket because there was not enough financial aid to cover my schooling.”

113. ████████████████████ (ID 8809), Indiana-Merrillville, Nursing, 6/2010-7/2013:

“It is my understanding i am out of loan options.”


p. 17

114. █████████████ (ID 6670), Indiana-Newburgh, Breckingridge School of Nursing, 3/2011-6/2013:

“I had looked into going to another school, since they could not acquire my transcripts, I would have to restart the nursing program over and pay an additional $23,000.”

115. ████████████ (ID 7931, 7908), Indiana-Newburgh, Breckinridge School of Nursing, 9/2009-12/2011:

“Because of ITT basically using up any financial aid and student loans I was able to take out, I cannot apply for any more loans. Even if I wanted to, I cannot afford to be in anymore student loan debt.”

“I can't afford to continue my education like I've always wanted to do because I am already in so much debt from ITT. I was denied student loans the last time I tried even applying for financial aid. The amount of student loans has even affected buying a home and car. My income to debt from my student loans is outrageous.”

116. ███████████████ (ID 9272), Indiana-Newburgh, 8/2009-5/2010:

“I have no way to pay more loans than I already owe to a school that lost its accreditation. The loans from ITT tech are so much higher than traditional community colleges.”

117. █████████████████ (ID 8016), Indiana-Newburgh, 6/2013-3/2015:

“None of my classes would transfer to reputable universities plus even if they did I couldn't afford tone do it.”

118. █████████████ (ID 7448), Indiana-Newburgh, 9/2011-3/2014:

“Have to pay out of pocket for bsn and MSN due to being out of financial aid debt.”

119. ███████████████ (ID 8263), Indiana-Newburgh, Nursing, 6/2014-3/2016:

“I have to much in student loans to go anywhere else to get my bachelor's degree.”

120. ██████████ (ID 6703), Indiana-Newburgh, Computer Electronic Engineering Technology and Project Management, 1/2007-1/2013:

“With the payment I have to make the ITT Tech student loan debt there's no way I can go back and get another college degree that would better help me in the job market competing with other students I cannot afford to do this to myself again after all I'm over $70,000 in debt.”


p. 18

121. █████████████████ (ID 8091), Indiana-Newburgh, Associates of Applied Science in Computer Networking, 12/2001-12/2003:

“Of course I could not even start all over at another school with my loan in default. Not to mention, i am a little afraid of being dooped again.”

122. ███████████████ (ID 7915), Indiana-Newburgh, Registered Nurse, 3/2014-5/2016:

“I have been told that I only have about $4000 left in student loans available that I can use for my BSN.”

123. ████████████ (ID 8187), Indiana-Newburgh, Registered Nurse, 3/2014-3/2016:

“I am maxed out completely in student federal loans.”

124. ██████████████ (ID 4253), Indiana-South Bend, Nursing RN, 9/2013-3/2015:

“I had to give up the nursing dream and settle for a certificate in Medical Assisting and I have to pay out of pocket because there is no more loan money.”

125. █████████████████ (ID 9153), Kentucky-Lexington, 1/2009-9/2011:

“I was told that my financial aid had been maxed out.”

126. █████████████(ID 9157), Kentucky-Lexington, 1/2011-9/2016:

“I'm almost maxed out in loans with useless credits.”

127. ████████████████ (ID 7962), Kentucky-Lexington, Visual Communications, 6/2008-2/2010:

“I was refused student aid because they said my max loan limit was almost reached. Two years of school shouldn't be 100k.”

128. ████████████ (ID 9716), Kentucky-Lexington, Associates of Science Drafting & Design Technology, 9/2011-12/2014:

“I want to be able to futher my education, unsure if I will ever be able to due to to having to start over because none of my credits transfer and the inabilty to take out further loans.”


p. 19

129. ███████████████████████ (ID 9251), Kentucky-Louisville, Paralegal Studies, 10/2010-5/2012:

“After dealing with the amount of bills I have, there's no way I would even think of going to college again.”

130. ██████████ (ID 9552), Kentucky-Louisville, 9/2008-6/2012:

“I was told when I was accepted into a community college after ITT that my federal loans was max out and I would have to pay everything out of pocket.”

131. ██████████████ (ID 9582), Kentucky-Louisville, 9/2002-1/2006:

“I would love to go back to school and complete my bachelor degree, but I can't afford to take out more loans. And further more, my credits won't transfer to another school so I would essentially be starting over from the beginning.”

132. ███████████████ (ID 5562), Louisiana-Baton Rouge, Project Management, 9/2008-12/2013:

“I can't finish my master's because I owe to much in student loan debt.”

133. ██████████████ (ID 2560), Louisiana-Saint Rose, Computer Networking Systems, 4/2009-10/2010:

“I'm very discouraged to attend a community college, because it would only add onto the 40K debt I currently have. I'd like to learn new trades and work and pay my way through it, but feel very discouraged.”

134. █████████████ (ID 8692), Louisiana-Saint Rose, Computer Electronics and Engineering Technology, 6/2009-5/2011:

“I tried enrolling in Nunez community college but I'm too much into debt from ITT Technical Institute.”

135. █████████████ (ID 8090), Louisiana-Saint Rose, Network Systems Administration, 10/2010-5/2014:

“I wanted to finish my bachelors' degree and cannot finish it because of piling ITT debt.”

136. █████████████ (ID 2815), Louisiana-Saint Rose, IT & Computer Network Systems, 11/2004-11/2006:

“I cannot afford to go back to a school that is actually respected because i am now too far in debt. I can't get approved for any financing or refinancing because of the debt i already have.”


p. 20

137. ████████████████ (ID 7687), Louisiana-Saint Rose, 6/2008-10/2011:

“I cannot enroll in another school to start over because I am nearly 6 figures in debt between Navient and Peaks private loan. I want ot start over, but can't. Paying out of pocket for a community college is not possible either because of having to keep up with loan payments.”

138. █████████████████ (ID 9176), Louisiana-Saint Rose, Information Technology - Computer Network Systems, 3/2006-6/2008:

“After realizing my degree from ITT was not worth anything, I explored going back to school. Unfortunately, the amount of student loan debt from ITT was already too high and I could not use any more pell grant money for assistance.”

139. ████████████████████ (ID 9541), Maryland-Owings Mills, CNS (Computer Networking Systems), 6/2011-9/2013:

“I couldn't take out more student loans because the ITT Technical Institute exhausted the Funds of the FASFA earnings from the government. I was ineligible to request anymore funds.”

140. ███████████████ (ID 8911), Maryland-Owings Mills, 2/2006-5/2008:

“I was maxed out with student loans. I simply felt disheartened and used. There was no way I would be able to start over a degree program like a freshman with $68,000.00 in student loan debt.”

141. ███████████ (ID 9215), Maryland-Owings Mills, Network Systems Administration, 9/2012-5/2016:

“Transfered to strayer but couldn't finish the first quarter and was told after the fact that because my loans wouldnt cover it I owe strayer $2,000.”

142. ███████████████ (ID 9029), Maryland-Owings Mills, Computer Network Systems, 6/2010-3/2012:

“I was planning to take up a bachelor's degree in Engineering but couldn't anymore because of the financial burden ITT has made for me.”

143. ████████████████ (ID 6728), Massachusetts-Norwood, IT/CNS - Computer Networking Systems, 6/2009-4/2011:

“As already mentioned my total loan payments are far too high to even consider this.”

144. ███████████ (ID 7828), Massachusetts-Wilmington, 9/2007-5/2012:

“I wouldn't be able to get another loan with the amount of debt I had with ITT.”


p. 21

145. █████████████ (ID 5061), Massachusetts-Wilmington, Information Systems Security, 9/2006-3/2011:

“By the end I had exhausted all available federal and state funding for education. Because of this, I was unable to further education at another school because the direct cost would be too high.”

146. ████████████ (ID 8888), Massachusetts-Wilmington, 3/2003-12/2012:

“I started attending another school, but because my debt is so large I realized then that I cannot afford to take out any more loans.”

147. █████████████████ (ID 7684), Michigan-Canton, Network Security/Administration, 1/2010-6/2012:

“It was not an option to incur more student loan debt to go to another school after finding out that my ITT credits would not transfer.”

148. █████████████████ (ID 9124), Michigan-Canton, Computer and Electrical Engineering, 6/2004-2/2005:

“Can not get a loan, so I can not go back to school.”

149. ██████████ (ID 5226), Michigan-Canton, Computer Network Systems, 9/2005-7/2007:

“I can't justify any other attempts at education while I'm so far underwater on this.”

150. ████████████ (ID 7890), Michigan-Canton, 9/2004-3/2007:

“They claimed that it would be hard for me to get another educational loan as well as any other kind of loan.”

151. ███████████ (ID 7843), Michigan-Canton, 12/2010-3/2014:

“I wanted to go to a real school for engineering but there is no way with the debt from ITT Tech that, that would be in any way possible to do.”

152. ████████████████ (ID 9499), Michigan-Canton, Criminal Justice, 3/2006-1/2008:

“I have $104,000 in student loan debt. I cannot get any additional funding to continue a Master's Degree to increase my income potential.”

153. ████████████ (ID 9468), Michigan-Canton, 3/2006-3/2008:

“Tried to get bachelor degree and was told from ITT tech I had to high of loan debt now”


p. 22

154. ███████████████ (ID 8122), Michigan-Dearborn, 12/2009-12/2013:

“I reached max limit for student loans. I couldn't get my masters degree if I even tried.”

155. █████████████ (ID 8800), Michigan-Grand Rapids, 9/2003-10/2005:

“I couldn't enroll in another school because my credits wouldn’t transfer. Let alone pay for another student loan to take classes I've already passed.”

156. ████████████ (ID 3939), Michigan-Swartz Creek, Criminal Justice, 5/2008-9/2012:

“I couldn't go for anymore college because I'm already in debt of 98,000 and that's with after interest.”

157. ██████████████████ (ID 4259), Michigan-Swartz Creek, Computers, Drafting and Design, 3/2009-3/2011:

“I could never finish my bachelor's degree because I have defaulted on my student loans from ITT.”

158. █████████████████ (ID 8142), Michigan-Swartz Creek, 9/2010-6/2012:

“I can't go to school anymore because of the debt I have, but the education I have does nothing for me in job placement because of ITT's reputation.”

159. ███████████ (ID 4180), Michigan-Swartz Creek, Mobile Communications Technology, 4/2011-12/2012:

“My loans were maxed out where I couldn't go to a different school.”

160. ██████████ (ID 7739), Michigan-Troy, 9/2015-6/2016:

“Enrolling in other colleges would mean taking out even more debt, which I cannot afford to add along with ITT debt.”

161. ████████████████ (ID 9039), Michigan-Troy, Electronics Engineering, 9/2011-6/2015:

“As I have stated earlier, ITT Technical Institute exhausted every penny of federal financial aid that I was eligible for. If I wanted to start over, I would have to pay for my education entirely out of pocket. With the cost of college today, there is not possible way that is feasible.”


p. 23

162. █████████████████████ (ID 8871), Michigan-Troy, Computer Information Systems, 9/2004-6/2006:

“Due to the cost of ITT's associate degree when I enrolled in another school I was unable to complete any program.”

163. █████████████ (ID 9388), Michigan-Troy, Multimedia Development, 9/2001-9/2003:

“I would have loved to continue my education, but because of the huge amount I already had, I didn't want to wreck my future and credit even more than it was already damaged so I never continued my education.”

164. ██████████████ (ID 8836), Michigan-Troy, CAD, 3/1993-9/1995:

“I am maxed out and scared I will never pay this back. I am 49 years old and I still have student dent from when I was 28.”

165. █████████ (ID 8117), Michigan-Troy, Digital Entertainment and Game Design, 7/2009-9/2013:

“I am unable to enroll in another school because I can't take out more student loan debt.”

166. ██████████████ (ID 8680), Michigan-Troy, 9/2008-2/2011:

“As stated above, University of Phoenix turned me away when they told me that ITT Technical racked up so much debt on my account that I couldn't even afford to borrow enough money to finish my degree! I had to stop mid-year & drop out, which means that all the debt I collected at Univ. of Phoenix was for nothing.”

167. ██████████████ (ID 5154), Michigan-Troy, Computer and Electronics Engineering, 9/2001-12/2003:

“I at the cap eith my federal student loans, and my forbearance time is gone since I haven't had a job good enough to sustain adequate repayment.”

168. ████████████ (ID 8129), Michigan-Wyoming, 9/2008-6/2012:

“ITT used all my funding for available loans. I was told this by just about every college I tried to get into to start my Masters.”


p. 24

169. █████████████ (ID 7771), Michigan-Wyoming, Business Administration, 9/2006-6/2011:

“If I were to enroll in another school, I would be looking at an astronomical amount of debt. My husband and I would never be able to pay that off at all. It just deters me from trying to advance myself due to the amount I would end up having to take out again.”

170. ███████████████ (ID 8935), Michigan-Wyoming, Project Management Administration, 9/2006-9/2013:

“ITT Tech maxed out my funding.”

171. █████████████████ (ID 2700), Michigan-Wyoming, Project Management Adminstration, 9/2006-9/2013:

“Due to the high cost of attending ITT Technical Institute and the fact that the degree hold very little value if any to employers I can not afford to take out more student loans.”

172. ████████████████ (ID 5018), Michigan-Wyoming, Information System Security, 8/2007-6/2011:

“Continuing education at a reputable school would only put more burden on me financially if any credit could actually transfer.”

173. █████████████████ (ID 9173), Michigan-Wyoming, Electrical Engineering and Communications Technology, 12/2011-6/2015:

“All my 9/11 GI Bill is gone, so I won't be able to get into more debt.”

174. ███████████████████ (ID 8915), Michigan-Wyoming, 12/2005-12/2009:

“ITT ate up all my student loan money and I am now almost 100K in debt.”

175. ██████████████ (ID 8549), Michigan-Wyoming, Electrical Engineering, 9/1997-9/1999:

“I could not go to any other school to further my education because of my student loans being in default status.”

176. ███████████████ (ID 8064), Michigan-Wyoming, Computer Electronics Engineering Technology, 7/2007-7/2009:

“I could not afford any more debt. This is the same reason I have not gone back yet.”


p. 25

177. ████████████████ (ID 8216), Michigan-Wyoming, Electrical Engineering and Communications Technology, 6/2007-6/2014:

“ITT maxed out and exceeded my available Federal Aid.”

178. ██████████████████ (ID 9152), Michigan-Wyoming, Drafting and Design, 9/2008-5/2009:

“Other colleges said that I would be maxed out on my credit to apply for more loans.”

179. ████████████████ (ID 4520), Michigan-Wyoming, Compters and Electrical Engineering, 1/2010-3/2010:

“I would have like to enroll in community college but am currently unable to get financial help.”

180. ████████████ (ID 7836), Michigan-Wyoming, 12/2009-9/2013:

“I want to go back to school in the fall of 2017. I have a feeling I will not be able to apply for aid because my loan debt is maxed out.”

181. ████████████ (ID 8435), Michigan-Wyoming, Criminal Justice, 9/2008-5/2012:

“I have too much student debt to go to another school.”

182. ██████████████████ (ID 8239), Michigan-Wyoming, Criminal Justice, 12/2008-6/2012:

“I could not afford to go to another school because I am paying close to $90,000 in student loan debt for two degrees from ITT Tech, no one would give me more student loans.”

183. ████████████ (ID 8566), Michigan-Wyoming, Visual Communications, 9/2008-12/2010:

“I was able to start a new education, however due to existing student loans, I was unable to continue my education. I'm now stuck with loads of unpaid loans, and a half completed education in a field that I can't work in.”

184. █████████████████████ (ID 8577), Michigan-Wyoming, 9/2007-9/2009:

“My FASFA had been depleted and I was told that I would not be able to get help until my loans were paid up.”


p. 26

185. █████████ (ID 9003), Michigan-Wyoming, ITCNS, 9/2003-9/2005:

“I have wanted to get my bachelor's degree, but the high expense of ITT for an associates has made that impossible as I don't have loan cap sufficient to continue on.”

186. ████████████████████████████ (ID 6963), Michigan-Wyoming, Criminal Justice, 6/2010-12/2012:

“Didn't even know I was in default until I tried to apply at a different school to have a fresh start but couldn't because of ITT Tech loans.”

187. ████████████ (ID 8418), Minnesota-Eden Prairie, Game Design, 9/2007-9/2010:

“My credit has been damaged by multiple student loans from sallie mae and firstmark services, so i am unable to go back to school, to help get a better paying career that will allow too pay my loans off.”

188. █████████ (ID 9401), Minnesota-Eden Prairie, Computer Aided Drafting & Design, 6/2010-7/2012:

“I am maxed out in debt. I cannot afford to take on any more loans of any kind.”

189. ██████████████ (ID 9489), Minnesota-Eden Prairie, 12/2004-9/2007:

“I wanted to attend Jeffco and can't due to my fed and private loan status.”

190. ██████████████ (ID 8416), Mississippi-Madison, Criminal Justice, 2/2009-3/2011:

“I'm so high in debt that j can't afford to go back to school in loan amount.”

191. █████████████ (ID 8191), Missouri-Arnold, Visual Communications, 9/2010-12/2012:

“Since I would have to start all over, my student loan debt would end up being so high that it would never be paid off in my life time.”

192. ████████████████ (ID 8246), Missouri-Arnold, 9/2008-8/2011:

“It's not that I couldn't enroll because I never tried to enroll in a new college. What kept me from enrolling in other colleges was the fact that I didn't want anymore student debt in my life.”

193. █████████████ (ID 4030), Missouri-Arnold, 8/2004-12/2006:

“I've wanted to earn another degree at an accredited university but the whole experience at ITT has ruined my faith and trust in the education system.”


p. 27

194. ████████████ (ID 2740), Missouri-Arnold, Software Engineering Technology, 12/2001-5/2008:

“My undergraduate loans are maxed out and cannot enroll in another school and obtain undergraduate financial aid.”

195. ███████████ (ID 4094), Missouri-Arnold, Computer Electronic Engineering, 3/2005-5/2007:

“I cannot afford to go back to school (getting certifications I know I could benefit from) because I already owe so much money from my student loans.”

196. █████████████ (ID 2599), Missouri-Arnold, Accounting Technology, 9/2008-5/2010:

“I would start over with my education but because I am so indebted to ITT I can't even think about going back to school to get a decent education.”

197. ████████████ (ID 8274), Missouri-Arnold, Digital Entertainment and Game Design, 9/2007-5/2012:

“I tried to be optimistic after realizing that my schooling at ITT Tech wasn't enough to land a job in the game industry. My eyes were eventually set on a private school outside the states as it was one of the best and boasted a very high placement rate; something ITT couldn't deliver on. After applying and submitting my portfolio, I was accepted! This was a great accomplishment as only 12 students were accepted per semester. I did everything I could to try and go there. I got a credit card to help pay for my seat fee(this was a holding fee that would guarantee my spot). When it came to the tuition and trying to get funding, I came up dry. I was advised that the best course of action was to take out a student line of credit. This was something only available in that country and only available to residents or people who know residents. I was told that I couldn't accrue more student loan debt, so i turned to the bank for help. I looked into getting a loan or a line of credit. I was told that I could only do one or the other and neither provided enough funding for my tuition. Additionally, the monthly payments would be too much for me to handle on top of what I was already paying and there wasn't any deferred payment options.”

198. ███████████████████ (ID 5558), Missouri-Earth City, Computer Technologies, 1/2008-1/2012:

“I tried to go to another school, but ITT charged me to the limits, so I can further my education to try and get a better salary.”


p. 28

199. █████████████████ (ID 8148), Missouri-Earth City, Software Application Programming, 9/2006-6/2008:

“Once I figured out that the school was basically a scam that had worked on me and taken a bunch of loans out in my name for nothing I quit attending, even before finishing because I knew it wouldn't be worth it. The amount of debt I had accrued in my short time made it very difficult to try and receive additional financial aid elsewhere. Eventually I stopped secondary education and focused on trying to find work.”

200. ██████████████ (ID 8867), Missouri-Earth City, 11/2004-9/2005:

“My student loan debt has made me terrified of going back to school because I can't afford any more debt.”

201. ██████████████ (ID 2544), Missouri-Earth City, Visual Communications, 6/2008-11/2011:

“FullSail stated all of my federal funding had been depleted by ITT Tech and that in order for me to attend I would have to pay for classes out of pocket.”

202. ██████████████████ (ID 8161), Missouri-Earth City, Information Technology - Computer Network Systems, 9/2008-3/2010:

“I was informed that I was at the max for my salary range and would have to cover any tuition costs at my own expense as I was denied further federal help.”

203. ██████████████ (ID 6701), Missouri-Earth City, Electronics Engineering, 6/1993-5/1995:

“Because my field of study is constantly changing, I feel the need to continue my education to stay current. Because most of my course work won't transfer, the fact that my current job (not in my field) doesn't pay well enough, and current debt I have, this prevents me from continuing my education to improve job prospects.”

204. █████████████████(ID 8632), Missouri-Earth City, 12/2009-7/2014:

“I was unable to complete my Bachelors degree because I had maxed out my federal student loans and could not afford to pay for any school expenses out-of-pocket. I was also reluctant to take out any high interest private loans and add to the mountain of debt that I had already accumulated while attending ITT.”


p. 29

205. ███████████████████ (ID 7984), Missouri-Earth City, Electrical Engineering And Communications Technology, 9/2011-3/2015:

“I wanted to back to school but I was told that I used all the federal government money. I was going to go back to school to get a certification classes but they said i couldn't due because I was maxed out of my federal loan.”

206. ███████████████ (ID 7793), Missouri-Kansas City, 9/2006-1/2008:

“My only choice was to go to my local community college which I could afford to pay out of pocket.”

207. █████████████ (ID 9106), Missouri-Kansas City, Information Systems Security, 10/2008-3/2012:

“I couldn't take out more debt to start over.”

208. ██████████████ (ID 9721), Missouri-Kansas City, Drafting and Design, 9/2006-8/2009:

“I cant apply for any student loans because of the current student loan debt of almost $60k for this "associates degree".”

209. ███████████████ (ID 7719), Missouri-Kansas City, 6/2008-7/2010:

“I wanted to go back to school to get a real degree but having that much more debt would just burden me for the rest of my life.”

210. █████████ (ID 7038), Missouri-Springfield, 6/2010-3/2012:

“I was considering returning to school but I can not afford to go any further in debt. Can not pay what I have now why make it worse.”

211. ███████████████ (ID 6052), Nebraska-Omaha, 6/2010-5/2012:

“Every job I'm looking for wants someone with a Bachelors degree. I can't afford to take on the debt that would accrue from 2 more years of school.”

212. ███████████ (ID 9047), Nebraska-Omaha, Network Systems Administrator, Information Systems Cybersecurity, 8/2010-4/2016:

“Since all my aid went to ITT I have no ability to pay for another school. And, currently have debt at an interest rate that is obscene, no point in more debt, I can't payoff what I have.”


p. 30

213. █████████████████(ID 7467), Nebraska-Omaha, 3/2007-8/2009:

“When I went to get another school ID to take out a loan through the school now to Sally mad because I was unable to take any more loans through Sallie Mae because I already had too many out.”

214. ██████████ (ID 9188), Nebraska-Omaha, 1/2004-1/2006:

“I just reenrolled into a local community college and am paying my tuition out of pocket because I'll NEVER be able to get student loans again!”

215. █████████████ (ID 9026), Nevada-Henderson, Networking, 6/2009-3/2011:

“I was maxed out and really had lost faith in the education system after my experience.”

216. ███████████████████(ID 8071), Nevada-Henderson, 1/2010-1/2012:

“Also, I tried to enroll in a community college but i was not able to get student loans anymore.”

217. ███████████████ (ID 9663), Nevada-Henderson, Criminal Justice, 11/2006-3/2010:

“My student loan debt is too high. $91,698.31 to be exact and I cannot see myself taking on more student debt with no means of repaying any of it.”

218. █████████ (ID 9674), Nevada-Henderson, Information Technology and Multimedia, 9/2005-9/2007:

“I was unable to continue my education because I wasn't able to fund additional classes using private loans due to them being defaulted. I was able to receive government assistance via tax breaks, but that still wasn't enough to fund 4+ years of education.”

219. ████████████████ (ID 9164), Nevada-Henderson, 3/2002-3/2004:

“Due to poor credit, excessive debt, no credit transfers, no help, I can't purse any further education.”

220. ███████████ (ID 9085), Nevada-Henderson, Network Systems Administration, 5/2009-12/2013:

“I can't afford another school on top of my bills and my family that I am trying to support.”

Villalba et al. v. ITT ESI et al. (In re ITT ESI, No. 16-07207-JMC-7A)

Exhibit 27

p. 31

221. (ID 9160), Nevada-Henderson, 9/2007-6/2012:

“I tried to enroll in a massage school but they told me because of all the student loans from my

previous school I was unable to receive any more financial aid. Also because of my terrible

credit score I was unable to receive private loans.”

222. (ID 5006), Nevada-Henderson, 3/1998-3/2000:

“I wanted to get my Bachelors Degree from a real university, but I apparently reached my limit

for federal loans and am now no longer able to get future loans for school.”

223. (ID 8426), New Jersey-Marlton, 9/2007-9/2011:

“I really cannot afford even a little bit more student loan debt. I'd love to give it a try, but I just

cannot.”

224. (ID 8516), New Mexico-Albuquerque, 8/2006-5/2010:

“Was going to go for my masters at University of Phoenix but my loan amounts were to great to

continue.”

225. (ID 9379), New Mexico-Albuquerque, Associate

Registered Nurese, 5/2009-5/2010:

“I wanted to complete the nursing program but am at my loan ceiling.”

226. (ID 8376), New Mexico-Albuquerque, Computer Networking,

12/2007-12/2009:

“ITT tech took out so many loans and put me into so much debt that I was no longer able to

qualify for more loans. The associates program was so expensive that not only did it prevent me

from continuing a bachelors degree with ITT tech but prevented me from all future schooling

until some of the loans were paid off. This coupled with ITT techs failure to place me into a well

paying job as promised put me into a hole that I could not get out of.”

227. (ID 5917), New Mexico-Albuquerque, Business

Administration, 3/2004-9/2010:

“I have reached my maximum life time allowance of Federal Student Loans because of ITT

Tech.”

228. (ID 7950), New Mexico-Albuquerque, 12/2008-6/2012:

“I've been struggling to get back to school I might even lose my job because I must pay school

up front without any loans and I can't afford it and because itt tech is not accredited my job does


p. 32

not recognize my degree so I am missing credit hours that are demanded of me to continue in my position.”

229. ██████████████ (ID 9654), New Mexico-Albuquerque, Criminal Justice, 12/2007-9/2011:

“I owe $90,000 in student loans and that was just about maxing out the limit that they would lend you to go back to school. Any classes that I would want to take would have to be paid in full or I would have to see if I qualify for any scholarships.”

230. █████████████ (ID 8782), New Mexico-Albuquerque, Criminal Justice, 12/2008-5/2011:

“I had to pay as I went. I paid 100-200 a month to go to a different school cause I couldn't take any more loans out[.]”

231. ████████████████ (ID 9139), New York-Albany, 9/2010-12/2011:

“Since ITT maxed out my federal student loans I have to try and pay for college out of pocket and because it's affected my credit I can't take out private loans.”

232. ███████████████(ID 9501), New York-Albany, SAP, 1/2008-7/2008:

“I spent several years looking for a cosigner who would allow me to continue academic studies.”

233. ██████████████████ (ID 5515), New York-Getzville, 9/2003-6/2006:

“I want to go back to school and better myself but I can't due to the amounts of my student loans that I already owe.”

234. ███████████████ (ID 9341), New York-Getzville, Drafting and Design, 3/2007-3/2009:

“It would be impossible for me to go back to school with the debt I carry from ITT.”

235. ██████████████████████████ (ID 8379), New York-Getzville, Information Technology- Computer Networking Systems, 9/2008-9/2010:

“I finally got into another school but had to drop out due to not being able to get enough money due to the amount in loan I owe ITT.”


p. 33

236. █████████████ (ID 6878), New York-Getzville, Computer Networking Systems, 12/2002-12/2004:

“I could not afford to attend a state university because I already had a mountain of debt from ITT Technical Institute.”

237. █████████████████████ (ID 9462), New York-Getzville, Computer Networking Systems, 9/2011-9/2013:

“My current debt is too much for me to think about continuing my education.”

238. █████████████ (ID 9360), New York-Getzville, Computer Networking Systems, 3/2010-3/2012:

“Due to the high amount of student loans that ITT Tech has put on me I am unable to take out any other loans to attend another college to further my knowledge.”

239. ██████████████ (ID 7476), New York-Liverpool, Computer Networking Systems, 8/2006-8/2008:

“Suny Oswego College will not even transfer my credits and will not hire me for a better job without a 4 yr degree. With over $62,000 in student loan debt how could I ever possibly pay for a 4 year degree from scratch? It's bad enough my loans will be there till my death ona 2 yr degree!”

240. ████████████████ (ID 8770), New York-Liverpool, IT Network Solutions, 9/2003-5/2005:

“I was unable to continue on at SUNY Oswego in a computer program because I had maxed out loans and could not transfer any credits into the SUNY system.”

241. ███████████████████ (ID 9011), New York-Liverpool, Computers Electronics Technology, 6/2010-9/2012:

“I wanted tio go to another school but with my unpaid student loans,i can not go to another collage mto actual try to better my life ,cause of all the lies ITT tech has done.”

242. ███████████████(ID 6352), North Carolina-Charlotte North, 5/2011-8/2013:

“I was told that my financial aid had been exhausted because of how much I was charged by ITT Tech.”


p. 34

243. █████████████ (ID 9141), North Carolina-Charlotte North, 11/2008-6/2011:

“My financial aid was exhausted to the point I had no more money left to attend college for my BA degree.”

244. ███████████████ (ID 8489), North Carolina-Charlotte South, 9/2008-9/2011:

“One school told me I was at the limit of loans and I want to finish my education but can't afford it.”

245. ████████████ (ID 7731), North Carolina-Charlotte South, Computer and Electronics Engineering Technology, 12/2009-12/2011:

“My debt became so great with Navient that to take out more loans would get me in trouble. I have stopped going to school all because I went to ITT Tech. I cant enroll anywhere because of my debt caused by deceptive and misleading practices of ITT Technical Institute.”

246. ████████████ (ID 8946), North Carolina-Durham, 7/2013-9/2015:

“I am afraid that I will not be able to continue on to my Bachelor's degree because of the reaulting debt and credit issues that I have a result of my ITT experience.”

247. ████████████ (ID 7907), North Carolina-High Point, Computer and Electronics Engineering Technologies, 12/2009-9/2010:

“After submitting all my paperwork to other schools and they found out that I had large amount of debt due to student loans they would not enroll me into their school because it looked as though I would not pay for it.”

248. ██████████████████ (ID 9607), Ohio, Breckinridge School of Nursing and Health Sciences, 6/2013-9/2015:

“I have caped off with the student loans. There is no more money for me to be able to continue my education. This is not fair especially when you are limited due to not being able to transfer credits and beginning all over in another school and having to pay for classes that you can't afford out of pocket. I may never be able to continue my education due to lack of funds.”

249. ████████████ (ID 9630), Ohio-Akron, Drafting and Design, 3/2013-3/2015:

“I wanted to go to a real school like Kent State University to get a real education but I already owe a loan.”


p. 35

250. ████████████ (ID 7927), Ohio-Dayton, 6/2003-6/2005:

“I had to start completely over in college because of credits not transferring. Now I am out of financial aid and will only be able to complete classes as fast as molasses by paying out of pocket.”

251. █████ (ID 7798), Ohio-Dayton, EECT, 6/2013-5/2016:

“It's very hard to consider taking out any more debt to better my education with the time and money that it cost me to attend ITT without affecting me and my family any further.”

252. ████████████ (ID 4894), Ohio-Dayton, Network Engineering, 1/2004-1/2006:

“Although I was able to get some additional student loans, the amount of debt I accumulated from ITT put me very close to the limit and I was unable to finance my entire Bachelors degree with the remaining amount. I was forced to take on private loans in order to finish my Bachelors degree.”

253. ███████████████ (ID 9623), Ohio-Dayton, Criminal Justice, 3/2007-12/2009:

“I've tried to continue school to get my bachelors degree but was informed I do not have any more financial aide left to be able to continue my education.”

254. ██████████ (ID 6054), Ohio-Dayton, Computer Aided Drafting and Design, 12/2009-12/2011:

“I would like to further my career but would have to start at the bottom as if I'd never been to college. I cannot grow with debt an uselessness of my ITT degree.”

255. ███████████████████████ (ID 8364), Ohio-Dayton, Network Systems Administration, Project Management and Administration, 9/2011-9/2015:

“I can't afford to take out more loans to pay for school. Due to ITT screwing me over for the $60,000 in federal loans and another $20,000 in private loans I can't do anything.”

256. ██████████████████████ (ID 7681), Ohio-Dayton, Computer Networking, Information Security Systems, 6/2006-6/2013:

“I would like to finish my Master degree in my field of stuff or even a PhD and for the price I paid at ITT tech a PhD at most schools could have been completed however because of the large amount of student loan debt incurred I can no longer take out any more loans to continue my education as planned.”


p. 36

257. █████████████████ (ID 9162), Ohio-Hilliard, Nursing, 6/2012-3/2015:

“ITT maxed out my loans as well as my grants which I only qualified for because I am a single parent.”

258. ███████████████ (ID 7693), Ohio-Hilliard, 3/2014-12/2015:

“I wanted to get another degree to pad my resume and can't afford any other schools because of my ITT loans.”

259. ███████████████ (ID 7023), Ohio-Hilliard, Drafting And Design, 9/2011-12/2013:

“My pell grant money is nearly drained and I am not allowed to pursue financial aid at Columbus state because of my large debt.”

260. █████████████████ (ID 8488), Ohio-Hilliard, RN Program, 8/2012-3/2014:

“I can't afford to pay the loans, I have no work, and no one will accept their credits. Additionally all my time was lost at this despicable place. I suffer anxiety to go to another school additionally I cannot get any more loans.”

261. ███████████████████████ (ID 9219), Ohio-Norwood, Nursing, 12/2011-8/2012:

“I would return for my RN and complete my associates degree but I cannot afford my current student loan payment so I cannot afford to borrow anymore money to gain more education.”

262. ███████████████ (ID 7966), Ohio-Norwood, Computer Networking Systems, 8/2006-5/2007:

“Due to a balance of $37k I do not feel like it was worth adding on more debt for education I did not complete. Also due to delinquency and damage to credit I cannot take out more loans.”

263. ███████████████ (ID 7396), Ohio-Norwood, Computer Networking Systems, 7/2006-5/2007:

“I only attended nearly 11 months at ITT Tech I racked up 26k+ of debt (and growing) which is roughly the cost of a four-year degree at other real colleges in the state of Ohio. I can no longer take out anymore loans due to the damage done from attending ITT Tech and taking out loans at the time of attendance.”


p. 37

264. █████████████(ID 8491), Ohio-Norwood, Computer Networking Systems, 6/2006-6/2008:

“No school would approve me for more student loans, unless they were private.”

265. ████████████ (ID 8505), Ohio-Norwood, Information Technology Information Systems Security, 3/2003-11/2008:

“I tried to use federal aid to enroll into another school a few years ago but because of all of the debt I had with ITT it was denied.”

266. ███████████ (ID 2614), Ohio-Norwood, Computer Networking Systems Technology, 10/1999-12/2001:

“In the beginning I was in debt for at least $27,000 for just a worthless associates degree. I couldn't get a job with it back then and i sure as well can't get one with it now. There's no way working for minimum wage job and barely supporting myself and my kids that I could take another loan out to start from square one.”

267. ██████████████ (ID 3831), Ohio-Norwood, 9/2006-9/2008:

“I would love nothing more than to further my education but I cannot due to this debt.”

268. █████████████ (ID 6372), Ohio-Norwood, 3/2007-9/2009:

“I enrolled at Tiffin University only to find out I was ineligible for more federal loans. I only found out after I began my classes leading to further debt.”

269. ████████████████ (ID 8231), Ohio-Norwood, CEET(Computer Electronic Engineering and Technology, 6/2008-6/2010:

“I want to be able to further my education in the field I went for or for video game design. But with how much debt just for a two year program put me in, I can't afford going to school.”

270. █████████████████ (ID 7928), Ohio-Norwood, 12/2009-12/2011:

“I would love to go back to school to get an actually real education, but I do not want to get farther into debt. I feel as though I paid $30,000 for a sheet of paper...and did not learn anything.”

271. ██████████████ (ID 8980), Ohio-Strongsville, Multimedia, 5/2003-9/2006:

“I cannot afford more student loan debt so I cannot pursue a bachelor's degree or any further education.”


p. 38

272. ████████████ (ID 8151), Ohio-Strongsville, Computer Networking Systems, 9/2012-8/2014:

“I used up all of my federal loans on this school and now that i have a c hold on my federal loans I can't go anywhere else. I also owe ITT like $5000 that i borrowed from them to cover what my loans didn't and when i couldn't pay that back within 5 days after i dropped out they sent it to collections.”

273. ██████████████ (ID 8610), Ohio-Strongsville, Computer Networking/ IT, 1/2004-1/2005:

“Student loan debt stopped me from further education.”

274. ████████████ (ID 8201), Ohio-Warrensville, Criminal Justice, 12/2008-1/2009:

“I couldn't go a community college because I had a loan with ITT tech and they were showing I wasn't paying and I was told my ITT I would not be able to go to another college and I'm stuck with them until I pay them off and I can go to another college. I felt like I was in a corner. I just stopped trying to go to school.”

275. ███████████████ (ID 8626), Ohio-Youngstown, 1/2010-1/2012:

“Would like to further my education and would not and unable to do to student loan debt.”

276. ██████████████ (ID 2834), Ohio-Youngstown, Criminal Justice, 6/2007-12/2012:

“I was told I would have to pay out of pocket because of my prior loan history with ITT.”

277. █████████████████ (ID 8544), Ohio-Youngstown, Drafting & Design, 6/2008-1/2010:

“My Debt is so great, that I cannot further my education because I do not make enough money, and I do not have the financial aid, because ITT used all of it on a 2 year degree that hasn't helped me at all.”

278. ███████████████ (ID 2574), Ohio-Youngstown, Criminal Justice, 12/2009-3/2014:

“All of my loans were exhausted, I could not get any other help.”

279. ██████████████ (ID 7697), Ohio-Youngstown, Asscociates of Applied Sciences Nursing, 9/2011-6/2014:

“I want to pursue my BSN but my debt is too high for me to consider going back.”


p. 39

280. █████████████ (ID 3845), Ohio-Youngstown, 6/2007-6/2009:

“ITT exhausted all of my financial aid.”

281. ████████████████████ (ID 8545), Ohio-Youngstown, Criminal Justice, 9/2009-12/2011:

“I'm in too much student loan debt to ever try to be better myself or go study for another field.”

282. ██████████ (ID 6771), Oklahoma-Oklahoma City, Information Technology, 1/2010-1/2013:

“I would not be able to start a new school because I wouldn't be able to keep up with payments with what I'm already paying + the debt from ITT Tech.”

283. ███████████ (ID 8613), Oklahoma-Oklahoma City, Project Management, 1/2010-9/2015:

“I would love to start all over again and put behind years of work as single father and money wasted looking for babysitters so I can go to school at night. But I cant go back to school with no money or assistance plus after we agree of a $ 92.00 payment now Navient want a $500 payment a month.”

284. █████████████ (ID 9067), Oklahoma-Tulsa, Information Systems Security, 8/2006-1/2008:

“I wanted to attend my local community college but realized that is not something I can afford due to the student loans I have at the time. I have had to hold off and wait till I can figure out another way of getting into the college and still be able to afford it.”

285. ██████████████ (ID 8357), Oklahoma-Tulsa, 9/2013-9/2016:

“Without repayment on my current loans, there is no way I can pursue an education elsewhere. I would essentially be starting over $30,000 in debt before I even walked in the door.”

286. ██████████████(ID 8183, 9168, 9369), Oklahoma-Tulsa, Nursing, 12/2013-6/2016:

“I cant afford to take on anymore loans for education until i can get Navient paid off which probably will not be in this lifetime.”

“Was told I would have to pay out of pocket to attend a school because of the loans IT already took and grants they didn't return.”

“No financial aid left.”


p. 40

287. ███████████████ (ID 5836), Oklahoma-Tulsa, Electronics and Communications Engineering, 1/2009-1/2013:

“I cannot willing put myself into more debt knowing I already have a substantial amount of student loan debt. I would have to start with the basics and go for another 4 yrs to get a qualifying degree.”

288. ████████████ (ID 9270), Oklahoma-Tulsa, ADN, 3/2013-6/2015:

“Last time I tried to enroll in a Bachelors program I was told that I was maxed out on student loans.”

289. ██████████████ (ID 7711), Oregon-Portland, Network Security Administration, 9/2011-3/2014:

“Id love to actually try to get a proper degree that would be accepted properly, but i have no chance to because I just flat cant afford it.”

290. ████████████ (ID 8898), Oregon-Portland, RN, 6/2014-8/2016:

“I am enrolled but have only $3,000 to use toward student loans the other $17,000 i need to figure out to come up with to obtain my BSN from a reputable school.”

291. ████████████████ (ID 8360), Oregon-Portland, 5/2012-12/2014:

“I am unable to enroll in school to further my education because ITT took the total amount of my federal student aid. I was never made aware of this. In addition, ITT's reputation has made me unappealing to many higher paying, more reputable employers, so I have had to settle in my career. This is not something I expected or was aware of while at ITT. Despite settling in my career, I now pay for an insane amount of student debt that is difficult to afford.”

292. █████████████████ (ID 9579), Oregon-Portland, Visual Communications, 9/2008-6/2011:

“The Visual Communications program only provided the basic groundwork for things like 3D modeling and animation, however in order to truly get a career in those fields it requires much more education. However because of the debt that I had already accrued, it would have put me in a very dangerous financial situation that I literally could not afford to be in.”

“Every once and a while I will still go back to the drawing board and see if I can figure out a way to juggle my current debt while going back to school and also working a full-time job, however I'm now married and with that much debt at stake I don't have the luxury of gambling with my future.”


p. 41

293. ████████████████ (ID 8689), Oregon-Portland, Construction Management, 6/2008-12/2012:

“I can't afford to take community college classes with student loans, because of how much I have. I need to update my classes with the new software, and can't afford to right now.”

294. ███████████ (ID 7809), Oregon-Portland, Computer Electronics Engineering Technology, 4/2011-6/2012:

“I also did not try to enroll in to another school for fear of taking on even more debt.”

295. ████████████ (ID 9544), Oregon-Portland, CNST - Computer Networking Services Tech, 5/2000-5/2002:

“I wasted my GI bill on this, so i no longer have a benefit that i served for 4 years to accumulate. And i did worse than throwing it out the window- i worked my tail off AND paid them in cash for the privilege!”

296. (ID 6609), Pennsylvania-Dunmore, 3/2007-3/2010:

“I applied for additional student loans to go to Penn state but I was turned down because of my current debt.”

297. ████████████ (ID 5354), Pennsylvania-Harrisburg, Electronics Engineering Technology, 6/2013-12/2014:

“My existing student loan debt and decimation of my credit prevents me from getting any more loans.”

298. ████████████████████ (ID 7742), Pennsylvania-Harrisburg, Information Technology - Computer Network Systems, 12/2009-6/2011:

“I was not able to co-sign for my daughter's student loans. This is like a dark cloud.”

299. █████████ (ID 7500), Pennsylvania-Harrisburg, 9/2010-6/2012:

“Once I realized how unaccredited ITT Tech is I attempted to find another school to attend but no school will enroll me with outstanding student loan debt.”

300. █████████████████ (ID 4800), Pennsylvania-King of Prussia, 9/2005-8/2007:

“I am unable to take on more student debt as the cost of loans and cost of living outweighed what I made, eventually causing myself to default on loans and ruin my credit in the process.”


p. 42

301. █████████████████████ (ID 8528), Pennsylvania-King of Prussia, 9/2007-11/2009:

“Furthering my education became hard because most if not all credits were non-transferable. Majoring in Multimedia literally became the worst course to take in long run due to the non transferable credits which ultimately would cost me even more if I wanted to capitalize off the already earned credits.”

302. █████████████████ (ID 8930), Pennsylvania-King of Prussia, Computer Networking Systems, 9/2004-2/2007:

“The amount of money that I took out on loan prevent from going back to school to get a real degree. I know in this day and age that you need a 4 year degree but I can't afford to go back because of ITT Technical Institute.”

303. ███████████ (ID 8826), Pennsylvania-Levittown, Computer and Electronic Engineering, 9/2008-12/2010:

“I couldn't enroll in another school because, I couldn't take out more student loan debt.”

304. ███████████████ (ID 8140), Pennsylvania-Philadelphia, Computer Drafting & Design CAD, 1/2015-9/2016:

“Borrowed to my max and no help with fixing or clearing all the mess they created.”

305. ██████████████████ (ID 8170), Pennsylvania-Pittsburgh, Computer Networking Systems, 9/2005-9/2007:

“Exhausted all Veteran benefits for this along with not being able to incur more debt. My credit score is poor due to this.”

306. ████████████████ (ID 8902), Pennsylvania-Pittsburgh, 3/2007-6/2009:

“I can't afford the debt I have now, and so cannot take out more loans to go a different school. Most places will not give me a loan based on my school loans taken out for ITT.”

307. █████████████ (ID 9529), Pennsylvania-Tarentum, 8/2008-10/2010:

“I feel my degree is laughable to the industry,so i would like to obtain a degree thats at least respected. But i already too much debt.”


p. 43

308. ██████████████ (ID 5425), South Carolina-Greenville, IT-Multimedia, 12/2007-12/2009:

“I could not enroll in Full Sail University or SCAD (Savannah College of Art and Design) because they said my credit was not good enough to obtain more student loans. I had already had my limits worth of loans from ITT Tech. Therefore, my education in this field-of-study could not continue.”

309. ██████████████ (ID 4879), South Carolina-Greenville, Computer Networkinf Systems, 1/2001-1/2003:

“I have crushing student loan debt. I simply cannot afford to take out any additional loans to continue my education.”

310. █████ (ID 8733), Tennessee-Cordova, Information Technology/Multi-Media, 9/2002-9/2004:

“I couldn't afford to continue through another institute like ITT-Tech because of the requirements to take out expensive loans.”

311. ███████████████ (ID 5682), Tennessee-Cordova, Drafting and Design, 1/2006-1/2008:

“For the life of me, I want to go back to school to study electrical engineering but my student debt has paralyze me financially. If ITT didn't lied about the wages, I could've been satisfied but I need to go back to school so that I can earn more.”

312. ██████████████ (ID 8259), Tennessee-Cordova, Construction Management, 9/2007-6/2011:

“I have already put my families future in jeopardy with the loans i already have. I couldn't take on anymore.”

313. ████████████ (ID 5530), Tennessee-Cordova, Information Technology - Multimedia, 9/2004-6/2007:

“An option to defer my federal debt would be to re-enroll in a school and submit a deferment request form, but I am unaware of any option to do that as I am positive ITT Technical Institute has exhausted all of any federal grants or loans I may be eligible for.”

314. █████████████ (ID 5100), Tennessee-Cordova, 3/2008-9/2011:

“Because of them not explaining in detail how much I was taking out in student loans, I couldn't apply for financial aid anymore.”


p. 44

315. █████████████ (ID 8682), Tennessee-Johnson City, Network Systems Administration, 9/2012-9/2014:

“The loan debt I incurred has put me at my limit for student l I an debt so I can't go anywhere else to get a bachelor's degree or an associate degree that will be of use to me.”

316. ████████████ (ID 7759), Tennessee-Knoxville, Visual Communications, 10/2008-9/2010:

“I wanted to go for nursing at my community college once I found out I couldn't get a job with my ITT job. Since I was already in such high debt I wouldn't have enough loans to cover the full term of school I would need. I can't afford anything out of pocket.”

317. █████████████ (ID 8738, 6984), Tennessee-Knoxville, Criminal justice, 12/2006-9/2011:

“I am barred from future financial aid because I have loans in default. So I am unable to return to school.”

“Last year I looked into going back to school and was informed I do not qualify for financial aid.”

318. ████████████████ (ID 8965), Tennessee-Knoxville, Project Management, 8/2008-6/2012:

“I planned on pursuing my masters, but the only way to continue on from ITT is to go to another for profit school. With the amount of debt from ITT i could not afford more.”

319. ████████████ (ID 6648), Tennessee-Knoxville, Computer Networking Systems, 5/2011-5/2013:

“They took all my federal aid and I didn't have any real say or understanding of the matter. Again, my family will not be able to attend school and better themselves because of the amount of debt they have placed me in.”

320. ██████████████ (ID 8903), Tennessee-Knoxville, Project Management, 6/2008-6/2012:

“After I graduated and couldn't find a career in my field, I considered going back to school somewhere else to have another opportunity at a good career. After I received my first statement, I quickly found that the existing debt I have form attending ITT Tech prevented that due to the large amount and monthly costs.”


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321. ████████████ (ID 8412), Tennessee-Knoxville, 3/2008-6/2010:

“Just knowing that I owe more than 50,000 now, enrolling in another school seems out of the question.”

322. ███████████ (ID 9145), Tennessee-Knoxville, Visual Communications, 4/2007-1/2010:

“Attempted to apply to an accredited local community college, but could not due to current student loan debt.”

323. (ID 8687), Tennessee-Nashville, Information Technology Computer Network Systems, 1/2001-6/2004:

“I was able to enroll but I would have to start completely over and I couldn't afford to take out any more loans but my student loans with ITT are already over $40k.”

324. █████████████ (ID 9040), Tennessee-Nashville, Multimedia, 5/2004-6/2006:

“My student loan payments were over $400. I couldn't afford to save for college classes or pay for them outright and I definitely couldn't afford taking out more loans so I was never able to replace my ITT Tech education with a quality one.”

325. ████████████████ (ID 9110), Tennessee-Nashville, Software Development, 9/2013-12/2015:

“I was advised when doing financial aide with ITT that I was almost maxed out in using federal loans for an associates degree. Now if I want to go back to school, I would not be able to take much out or possibly take enough to get me to a certain point in school but then have to pay out of pocket for the rest. Which I can not afford to do.”

326. ██████████████████ (ID 8624), Tennessee-Nashville, Software Application and Design (SAD) and Software Application Programming (SAP), 10/2008-6/2012:

“My credits would not transfer. I would have to pay for a bachelor's degree from another college just to place where I should be now. There is no way that I can further my education this way. I cannot physically take on the financial obligation of another bachelor's degree financing. Let alone add to it for furthering my academic and professional career through degree advancement.”


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327. ████████████ (ID 8057), Tennessee-Nashville, 6/2004-1/2010:

“I wasn't in some severe amount of debt however, because I owe them, I can't even go back to school. I have been barred on 3 occasions.”

328. █████████████ (ID 8348), Tennessee-Nashville, Information Technology - Multimedia, 9/2003-9/2005:

“I regretfully dropped out of MTSU due to having to work full time to pay back my loans for ITT. The cost to attend MTSU partime was more expensive than full time. Which ended up putting me in more student loan debt which I didn't feel was financially smart being that I already had amassed so much debt already.”

329. █████████████ (ID 9265), Tennessee-Nashville, Computer Networking Systems, 3/2003-3/2005:

“I stopped going to another school because i was already in debt with ITT and didnt want to acculmulate any more debt.”

330. █████████████████████ (ID 8094), Tennessee-Nashville, Computer Drafting & Design, 9/2002-6/2006:

“I enrolled in school, but I had to pay out of pocket.”

331. ██████████████ (ID 8844), Tennessee-Nashville, Digital Entertainment and Game Design, 5/2005-9/2011:

“I tried to get into other schools to possibly have a better degree, but the fact that Navient/Sallie Mae is constantly looming over me means I can no longer get any form of funding for a better life.”

332. ██████████████ (ID 7919), Texas-Arlington, Electrical Engineering and Communications, 3/2013-8/2015:

“I would like to finish my education to better myself and my family, but with so much debt that wasn't worth the money I can not.”

333. ███████████ (ID 4405), Texas-Arlington, Computer Aided Drafting and Design, 9/2007-5/2009:

“Because of my loans, and their repayment status, I was told that I was unable to apply for and receive grants or even other student loans.”


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334. ████████████ (ID 7981), Texas-Arlington, Electrical Engineering, 3/2010-3/2014:

“Tried to go to another school but have to pay out of pocket can't get federal loan.”

335. █████████████████ (ID 8862), Texas-Austin, Network Security Administration, 9/2014-9/2016:

“I used up all the student loans that I was eligible for. I did not realize the amount being used.”

336. ████████████████ (ID 8745), Texas-Houston North, Computer Network Systems Technology, 11/1999-6/2001:

“Looking into more claases to try to better myself I was told that I already had to much student debt and could not enroll.”

337. ██████████████ (ID 8490), Texas-Houston North, Computer Networking, 12/2008-12/2010:

“I am unable to further my education at this time being that I am expected to make payments for a now worthless degree. Also assisting my son with his tuition has became very difficult. It seems as if I've fallen victim to a predatory loan.”

338. ████████████ (ID 2806), Texas-Houston North, Business Management, 5/2012-8/2013:

“I owe close to thirty thousand in student debt without even having a degree to show for it. Attending another school would have put my debt to the point of where I would be paying until I was seventy. The campus advisor was frank and told me I should work on resolving my debt first before taking on any additional.”

339. █████████████ (ID 8934), Texas-Houston North, 1/2004-6/2006:

“I cannot obtain anymore loans. I cannot further my career.”

340. █████████████ (ID 6996), Texas-Houston North, Electronic Engineering Technology, 6/1995-5/1996:

“I can't go back to school to get any sort of education because I already have these student loan debts.”

341. █████████████████ (ID 9444), Texas-Houston West, AUTO CAD, 8/1998-6/2000:

“Since I have outstanding loans I am not eligible for any more aid.”


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342. █████████████████ (ID 9440), Texas-Houston West, 10/2009-10/2011:

“After learning how much I ended up owing I can't afford to go to schools again. Probably never again.”

343. ███████████ (ID 8929), Texas-Houston West, 6/1999-6/2001:

“I can't even afford to get another degree from an accredited school thanks to being deceived by the ITT Tech sales rep.”

344. █████████████ (ID 8824), Texas-Houston West, Computer Networking Systems, 9/2006-5/2008:

“I am too far in debt to be able to go back to school unless I pay out of my own pocket.”

345. ████████████ (ID 5079), Texas-Houston West, Electronical Engineering, 9/2006-5/2008:

“I can only take classes I can afford, I cannot take any loans out.”

346. ████████████ (ID 7159), Texas-Houston West, CAD, 3/1995-10/1995:

“I can not even try to go to another school because the student loans are completely messed up and even if I try to pay cash for any classes I am not allowed to do that either.”

347. █████████████ (ID 8337), Texas-Richardson, Computer Electronics Engineering Technology, 3/2011-3/2013:

“I couldn't go to another school because I cannot afford to add on to my school lone debt and because I don't have but a couple of months left on my GI bill.”

348. ██████████████████████████ (ID 9231), Texas-Richardson, 9/2005-12/2007:

“Since ITT Tech literally taught me nothing that I use in the field. My boss had asked me 4 years ago if I was willing to go back to school. I had to inform her that my credits do not transfer to another university. I also had to inform her that I'm $50,000 in debt plus interest. With the only option of basically starting over in order to receive the proper education I should have received.”

349. ██████████████ (ID 9466), Texas-Richardson, 6/2003-12/2007:

“Tried many schools, only DeVry would take. THEN, DeVry tells me that ITT took too much, and I maxed out on student loans completely and could NOT continue going to their school


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either. Pretty sad isn't it? I would LIKE TO GO BACK TO SCHOOL! But I could only do that if all my loans were erased! Please make it happen.”

350. ███████████████████ (ID 7788), Texas-Richardson, Network Systems Administration, 3/2011-6/2014:

“I accepted the fact that since credits wouldn't transfer, that I would start over. I went to the financial aide office at a local community college. They looked at the amount of student loans that I have and denied my application solely because freshman's were not allowed to have over a certain amount of debt to apply.”

351. ████████████████ (ID 5326), Texas-San Antonio, Information Technology, 9/2006-8/2008:

“I did enroll at a community collage but could not pay and at that point I only saw educations as furthering my debt.”

352. █████████████ (ID 9149), Utah-Murray, Electronicsand Communications Engineering Technology, 12/2007-3/2013:

“I owe so much from attending ITT that I don't dare try to go to another school and my wife doesn't dare expand her education for fear of adding to an unreachable debt.”

353. ██████████████ (ID 9527), Utah-Murray, Criminal Justice, 3/2005-12/2008:

“I wanted to go get the rest of the correct degrees I need but I can't afford any more loans so I'm totally screwed in that aspect.”

354. █████ (ID 5540), Utah-Murray, Computer Network Systems, 1/2012-1/2014:

“I attempted to enroll in WGU. This was successful in enrolling however i had to drop out because i couldn't afford it. i couldn't take out additional loans and was forced to pay cash.”

355. ████████████ (ID 5409), Utah-Murray, Electronics Engineering Technology, 9/2002-12/2008:

“ITT has me strapped so bad I am having a hard time getting the financial aid needed to even pay for the local community college.”

356. ██████████████ (ID 3735), Virginia-Chantilly, Information System Security, 12/2007-3/2013:

“They maxed out my federal loans, I never saw any of the "goes to student" money from Stafford loans, and private loans are so high that I am turned down.”


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357. ████████████ (ID 6752), Virginia-Chantilly, Computer Networking, 6/2006-6/2009:

“But with the massive loan debt that I gathered during my time at this school, I will not be able to pursue a better education with a different school.”

358. █████████████████████ (ID 5217), Virginia-Norfolk, Digital Entertainment and Game Design, 6/2006-6/2010:

“I am trying to go to another College right now to get a better degree that is actually regionally accredited (ITT Tech is not), but in order for me to do it, I will need to finance the entire program through scholarships and my current employer's tuition reimbursement plan.”

359. ███████ (ID 9253), Virginia-Norfolk, Network Systems Administration, 5/2013-5/2015:

“I decided to focus on work after graduating buthis during my last year at ITT Tech... I was told that I had reached my Max limit for student loans so I had to set up a payment plan to the school to cover what my student loans could not pay for...”

360. ██████████████████ (ID 6683), Virginia-Norfolk, Visual Communications, 12/2009-2/2012:

“I had to return to school, at a local community college in order to hopefully get the skill set to make enough money that the deducted money i would have won't kill me financially. My husband feels all of the financial burden which backfires at me because then once again i feel guilt about it. If my grants dont cover my next semester then i can't continue on with the program i am enrolled in now. I have too much student loan debt from ITT Tech.”

361. █████████████ (ID 8556), Virginia-Richmond, 1/2008-7/2010:

“I wanted to go for my bachelors degree at another school but I could not afford to take out any more loans.”

362. █████████████ (ID 8101), Virginia-Richmond, 3/2010-3/2011:

“I have been trying to go back to school since ITT and I am too far in debt with my loans.”

363. ███████████ (ID 9357), Virginia-Roanake/Salem, Register Nursing, 9/2012-4/2016:

“I will not be able to enroll into a community college because there credits will not transfer and end up paying twice and they say too much of my money is sitting with ITT now.”


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364. █████████████ (ID 9656, 8000), Virginia-Roanake/Salem, Nursing, 6/2012-6/2014:

“Even if I wanted to start over in my education, I can't afford it. I can't afford to pay the $30,000 plus additional debt. If I didn't have to pay the $30,000 to ITT, then I would consider starting over with an accredited program in my area.”

“I can't afford the debt that I currently have. I am not making the money that I should be because the school didn't help me with passing the board exam, therefore I am not working in my field of study. If I were working in my field and making the money that I should, I would love to go further in my education.”

365. ████████████ (ID 2820), Virginia-Springfield, 9/2013-4/2015:

“ITT used most of my loans.”

366. ████████████████ (ID 9126), Virginia-Springfield, Criminal Justice, 3/2006-12/2009:

“Since my degree from ITT Technical Institute holds no value I considered going back to school at a Non-profit institution. That consideration is very unlogical at this point and time because me going back to school would only bring on more debt.”

367. █████████ (ID 9161), Virginia-Springfield, Visual Communications, 12/2008-6/2011:

“I eventually tries to go to school for culinary arts, however, they told me I could not request anymore money from federal loans.”

368. ████████████████ (ID 7613), Virginia-Springfield, Criminal Justice, 6/2007-12/2012:

“This school along with the staffs assistance helped me exhaust all of my subsidized and UNsubsidized and all of private loans. Because they kept saying I had to finish don't give up.”

369. ███████████████(ID 7914), Washington-Everett, Network Systems Administration, 6/2013-3/2015:

“I applied to University of Washington Bothell and because of my credits not transferring, a fair amount of my funds for attending will have to be out of pocket. This is even after ITT tech forcing my mother and I to participate in the parent plus loan and my mother taking about half of my debts.”


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370. ███████████████ (ID 8707), Washington-Everett, Graphic Communications, 6/2010-11/2010:

“I can't go to college right now more because I really can't take out more student loans. Between my husband and I we both have over 10K of student loans. We have been doing income based repayment plans, forbearances, anything possible. These loans are too much that what ITT Tech told us they would be. Over $5000 on just mine for one semester is not the no more than $5000 a year like they had stated but never showed.”

371. ████████████ (ID 8673), Washington-Everett, Project Management and Administration, 1/2008-1/2013:

“I could not afford to go as much as I want to go back to school to pursue another degree. It is hard enough to barely make payments to comply with this loan repayment plan.”

372. ██████████████ (ID 7307), Washington-Everett, Information Systems Security, 12/2002-12/2006:

“With $72,000 in loans already from ITT, I was told I would be refused additional loans with both community colleges because my loans had defaulted with Sallie Mae, some time ago.”

373. █████████████ (ID 5503), Washington-Everett, Multimedia, 6/2006-9/2008:

“I went to ITT in the beginning to get my Bachelors, but after the cost of the school after 2 years put me into a deep hole of debt, I couldn't afford to keep going. Therefore couldn't go to other schools even if I wanted to.”

374. ██████████████████ (ID 5986), Washington-Seattle, Criminal Justice, 9/2007-6/2010:

“I am enrolled in school but I have to have documents faxed to complete my FAFSA. I also cannot take out loans in order to finish my last quarter of my associates. I am worried I will not have fund in for the bachelor's program and will have to postpone it.”

375. ████████████ (ID 8262), Washington-Seattle, Criminal Justice, 11/2009-4/2011:

“Unpaid loans keep me from going back to a real school!”

376. ██████████████████████ (ID 7567), Washington-Seattle, 9/2006-1/2008:

“After being informed that my credits from ITT were non-transferable, I realized that I could not take on the additional debt of going for a degree at a reputable school, such as University of


p. 53

Washington. I instead opted to work lower paying jobs and go to massage school, rather than obtain a BA and get into a better paying field.”

377. ████████████████ (ID 9095), Washington-Seattle, Networking Administration Services, 11/2013-9/2014:

“The most important thing in life was my time. And I regret the time I spent their because it effected my life.”

378. ███████████████ (ID 8389), Washington-Seattle, Criminal Justice, 9/2008-12/2010:

“I can not take on anymore debt. My debt to income ratio is is to high. I could not get a job in my field and what I can get to pay for my loans causes me to drive 110 miles five days a week. I would love to go back to school to get a good job close to home.”

379. █████████████████████ (ID 8114), Washington-Seattle, Game design, 8/2010-7/2012:

“I have made considerations to go back to school to make up for the sub-par education I got at ITT tech, but with the job I was able to get with the degree I could not afford to go back, while paying off the old loan which will take a long time to pay off at my current rate.”

380. ███████████████████(ID 2854, 6219), Washington-Seattle, Criminal Justice, 9/2008-9/2010:

“I have a distrust in the school system, i can't afford to have more loans stacked on me. I have tried going into IT industry just learning on my own to get the skills i need to succeed. I can't look into college because I'm overwhelmed by the risk of more debt.”

“Frustrated that; I need more help with finance, and could not get it for a 4 year school to further my education. Still carrying too much debt.”

381. ███████████ (ID 8154), Washington-Spokane Valley, Information Technology - Multimedia, 9/2006-12/2008:

“I have been trying to go back to the local community college to get a degree that I can actually use in today's job market, and cannot because of the outlandish amount of Student Loan Debt I have from attending ITT.”

382. ██████████████████ (ID 4530), Washington-Spokane Valley, Information Technology, 1/2002-5/2004:

“They put me in defaulted loan, and until I repay the 30,000.00 I cant go back to school.”


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383. ███████████████████ (ID 3773), Washington-Spokane Valley, 1/2008-1/2012:

“ITT maxed out my student loan credit as I like to call it.”

384. ███████████████ (ID 9719), Washington-Spokane Valley, Information System Security, 6/2007-6/2011:

“I recently enrolled in school and attempted to take out a loan, but after they looked at how much I already have in debt, I was denied. I am now paying out of pocket for these classes. I am trying to get a degree in a completely different career field to finally find some success.”

385. ███████████████ (ID 9696), Washington-Spokane Valley, Criminal Justice, 9/2005-8/2009:

“I am in so much student loan debt I can't continue my education.”

386. ████████████ (ID 9684), Washington-Spokane Valley, Technical Project Management, 3/2005-6/2007:

“After graduation, I have looked into attending other colleges with project management programs but I didn't want to take on more debt. Additionally, after going through a waste of education at ITT - I didn't want to take the chance of adding more debt only to receive another disappointing lack of education, like I had gotten from ITT.”

387. ██████████████ (ID 9319), Washington-Spokane Valley, Technical Project Management, 9/2002-3/2007:

“Upon graduating, I attempted to enroll in a Masters program but was told that I would be required to fulfill several years of missed general education classes and that credit wise, I was tapped out and unable to qualify for any helpful amount of FASFA/Grant and loan assistance.”

388. ███████████████ (ID 4173), Wisconsin-Green Bay, Multimedia, 6/2005-12/2007:

“After graduating ITT and going back to school at UWGB, I had a very promising undergraduate career where I wanted to continue on to graduate school. I won numerous scholarly awards, scholarships, and presented at a number of conferences on a professional level. My professors pretty much guaranteed me that my masters degree wouldn't require much in the way of student loans, but I wasn't able to go on to pursue this because I had so much student loan debt I couldn't take out anymore.”

389. █████████████████ (ID 8022), Wisconsin-Green Bay, Digital Entertainment and Game Design, 7/2006-9/2010:

“I have maxed out my Federal Loans, and would only be able to get private loans for school.”


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390. ██████████████████ (ID 8783), Wisconsin-Green Bay, Electronics and Communications Engineering, 9/2003-3/2008:

“I've been wanting to get further education but feel that I cannot take on anymore debt because we wanted to buy a house. I felt that if I could get a different diploma, I could be more legitimate in my field.”

391. █████████████ (ID 9037), Wisconsin-Green Bay, Computer Electronics Engineering Technology, 9/2005-9/2007:

“I found that if I wanted to go to a school that offered credible degree, I was told that I needed to secure private funding, or pay upfront. Obviously paying upfront was not an option, due to my outstanding debts to ITT. Private funding was also a lost cause. If I can't pay my current debt, I can't pay new student debt. ITT drained all of my federally allowed student loans, and prevented me from obtaining a credible degree. With their recent closure, they left me with a hollow degree, and the inability to obtain a useful degree[.]”

392. ██████████████ (ID 9677), Wisconsin-Green Bay, 12/2009-6/2013:

“I cant go to a different school to get the education that I need to even get a starting job in my field because of the outrageous amount of my loans.”

393. █████████████ (ID 8616), Wisconsin-Green Bay, Computer Electronics Engineering Technology, 6/2010-12/2012:

“I want to enroll in a public institution or college and pursue the IT degree I was originally planning on getting at ITT when they tricked me into getting a degree in a dying field just because it was better for them. I can't enroll though because there is absolutely no way I can take on more debt. I have to be prepared for the worst case scenario and I just can't with my debt from ITT, there's just NO WAY right now. This is unfortunate because I really enjoy furthering my education and learning about new things. Right now, by the time I get to that point I may be too old for that to really make sense anymore. Because of the debt I would incur, I haven't even tried to enroll in another school, it's just not worth the risk because of my experiences at ITT.”

394. █████████████ (ID 2855), Wisconsin-Green Bay, Criminal Justice, 12/2009-8/2011:

“I want to become certified within my field but can't afford it because my student loans are already ridiculously high.”


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395. ██████████████ (ID 6137), Wisconsin-Green Bay, Computer Drafting & Design/Technical Project Management, 2/2005-10/2007:

“After discovering I would have to start my Bachelor's all over again, I attempted to get additional loans which I was denied for due to my very high outstanding balances.”

396. ████████████████ (ID 6646), Wisconsin-Greenfield, Computer Networking, 9/2001-9/2005:

“Due to the amount of debt and increasing cost of education I am unable to afford to earn a bachelors degree in business information systems.”

397. ███████████████████████████ (ID 9446), Wisconsin-Greenfield, Software Applications Development, 3/2003-6/2011:

“I have maxed out my ability to take out federal student loans, so I can't go back to school to get a regionally accredited degree.”

398. ███████████████ (ID 7723), Wisconsin-Greenfield, 11/2006-3/2009:

“I couldn't pursue my bachelors degree because I was unable to take out any more student loans.”

399. █████████████████ (ID 8465), Wisconsin-Greenfield, Digital Entertainment and Game Design, 9/2005-12/2009:

“I'm currently middle management at my job. To move up, I'd have to go back to school for a degree in business. I'm unable to go back to school because I can't afford it and the only way to afford it would be to stop paying my loan interest which would absolutely kill me in future payments.”

400. █████████████ (ID 7471), Wisconsin-Greenfield, Software Engineering, 11/2005-1/2011:

“I have chosen to return to school to become a teacher, but I am only able to attend part time and on a irregular schedule. This is because I am no longer eligible for federal loans. I have maxed them out.”

401. █████████████████████ (ID 6516), Wisconsin-Greenfield, IT Networking, 8/2000-5/2004:

“Every year that I completed my FAFSA I was denied any future loans because of the debt I had from the ITT Tech program that I was denied to complete.”


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402. ████████████████ (ID 4592), Wisconsin-Greenfield, Software programming, 9/2001-9/2003:

“I wanted to pursue a MBA because my employer encouraged me to in order to push my career. I at that time found out ITT took out more than what was allowed for my subsidized and unsubsidized assistance, in fact I was told that I was about 3K over and I needed to pay it back in order to pursue a MBA. So I was stuck and couldn't push forward.”

403. ████████████ (ID 9523), Wisconsin-Greenfield, 6/2007-6/2011:

“I was having trouble finding a job that payed enough to pay my bills. I thought maybe taking a few classes on the side for networking would help my chances of finding a job. I was not able to use government loans to take them because ITT drained the amount i could take and was unwilling to take another private loan to pay for them.”

404. ██████████████ (ID 8417), Computer Networking Systems, 9/2002-6/2004:

“I already have too much debt and bad credit due to the student loans I took out to pay for ITT so I am not able to obtain another loan for additional schooling.”

405. ████████████ (ID 7087), 9/2007-9/2009:

“My debt is already to high I couldn't v even register at a community college to get my nursing degree.”

406. ████████████ (ID 8584), Criminal Justice, 12/2007-6/2014:

“I tried to switch to a community college about mid way through my time in ITT and none of my credits would transfer. I stayed at ITT because I didn't want to waste the time and money I spent there.”

407. ██████████████████ (ID 9606), 9/2011-11/2014:

“Ruined my experience in trying to obtain a higher education have been working on my career through previous technical knowledge and more focused on that.”

408. █████████████ (ID 7782), Nursing, 3/2011-6/2013:

“I just cannot afford to take out more student loans. And I never completed the program because they "failed" me out of the program.”

409. ██████████ (ID 8474), 1/2008-1/2011:

“I really want to finish my degree but with all this student loan debt I can't have any more loans.”


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410. ██████████████ (ID 8918), Computer Network Systems, 9/2003-9/2005:

“The student loan debt from ITT is already too much and I couldn't possibly take on any more.”

411. ██████████████(ID 8776), Computer Network Engineering Technology, 9/2000-5/2002:

“I tried to enroll at the University of Tennessee and was told I did not have access to student loans[.]”

412. █████████████████(ID 8728), Computer Networking Systems and Digital Forensics, 6/2006-3/2010:

“ITT used my all of my lifetime availability for student loans even if I pay on them and get them paid off.”

413. ███████████████ (ID 8329), Criminal justice, 9/2006-9/2008:

“Wanted to go and possibly get my bachelor's but I can't afford it and I will not take out loans ever again, since I will be paying on These until after I die.”

414. ██████████████ (ID 8080), Nursing, 3/2014-11/2015:

“Pell grants didn't completely cover the rest of the tuition so I tried to take out a loan and was unable due to existing student loan debt.”

415. █████████████ (ID 2743), Multimedia, 1/2006-1/2011:

“I already can not afford to pay the loans that I have now, that there is no way that I am able to pay even more student loans.”

416. ████████████████ (ID 5123), Software Application Programing, 10/2004-12/2004:

“I have been unable to attend any schooling due to the huge amount of load debt i aquired from ITT.”

417. ██████████████ (ID 5696), Criminal Justice, 7/2010-12/2010:

“I have been recently trying to get back in school to earn a degree so I can make a better living and better life for my children and I have been told I can't get financial aid because these loans are in default and I definitely can not afford to pay for college completely by myself and still pay for my children and I to survive.”


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418. ███████ (ID 6578), Computer Networking Systems, 8/2010-8/2012:

“I really want to go back to school but I can't because of how much debt I am in, I am scared to take anything else out.”

419. ████████████████ (ID 8998), 3/2013-2/2016:

“There is no way for me to take out a loan while paying the current loans off. It would just put me in debt for years to come.”

420. █████████████████ (ID 9580), 9/2011-5/2013:

“I am maxed out in student loan debt with a useless degree. I can't go to another school to better myself because of ITT tech.”

421. ██████████ (ID 7779), 9/2008-6/2012:

“I have maxed out my student loans with the federal government. So if I want to go back to college, I would have to pay for it myself.”

422. ██████████████ (ID 8553), Information Technology, 5/2006-11/2008:

“Too far in student loan debt to go back to school.”

423. █████████████████████████████ (ID 9530), 11/2006-11/2010:

“I can not enroll into another college or go for higher education in another school. I want to pursue my degree higher but cant. I want to start over in a degree thats goingto mean something.”

424. ███████████ (ID 8512), business, 8/2007-9/2007:

“I am afraid to seek out further education because I am worried about racking up debt I won't be able to pay off.”

425. ██████ (ID 7991), Computer networking, 1/2003-1/2006:

“I had maxed out the amount. I could take out. So I had to save money for moth just to go for one semester.”

426. ██████████ (ID 7691, 9167), Criminal Justice, 6/2009-12/2016:

“I am maxed out on loans because of ITT.”

427. ██████████████ (ID 9402), 6/2010-6/2012:

“I was maxed out on student loans.”


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428. █████████████(ID 8366), 6/2015-7/2016:

“I am unable to get more loans with the debt I already incurred.”

429. █████████████ (ID 8363), Multimedia, 6/2007-11/2009:

“I started looking at attending school again this year but found that due to the current loans I would not be able to afford any additional ones. I'm unable to restart my degree or increase my marketability until I can afford additional loans or have these removed to start completely over. If I end up taking out new loans, I'd be starting from the ground up anyway, as again, none of the credits will transfer to an accredited university.”

430. ███████████ (ID 3782), 6/2009-9/2011:

“I'm maxed out.”

431. ███████████ (ID 5508), 9/2008-9/2012:

“Not eligible for more loans, cant afford more payments if I was.”

432. ███████████████ (ID 5959), 4/2001-4/2003:

“Credits wouldn't transfer to other schools and couldn't start a new program because massive student loan debt.”

433. █████████████████████ (ID 8893), Computer Programming, 1/2001-1/2002:

“I would have liked to go back to school years ago but I can't get student loans anymore.”

434. █████████████████ (ID 4093), 6/2006-9/2006:

“I ended up having to pay more to ITT Tech so that I could earn a reputable degree elsewhere. They wouldn't even give me grants or let me enroll until I spent so much getting my ITT loans out of default.”

435. ████████████ (ID 7509), 9/2010-9/2012:

“I have to pay in full before I can continue my education.”

436. ████████████████ (ID 8705), 12/2008-6/2011:

“I am too far in student loan debt, to be considered for other student loans to attend another College.”


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437. ██████████ (ID 3693), Computer Network Systems, 6/2002-5/2004:

“Because of the $40000 in debt and the fact that my credit is ruined to bankruptcy I will no longer be qualified to take out any student loans.”

438. ██████████████ (ID 9505), Networking Systems Administration, 6/2014-6/2016:

“I am curently 50,000 in debt and dont even want to consider enrolling in another school because i was taken advantage of in a place that i was only trying to further my knowledge and trying to make something for myself and family.”

439. ██████████████ (ID 8270), Computer Network Systems & Information Systems Security, 9/2004-5/2009:

“I was unemployed for a time in 2012 and was looking to switch careers , as I was unable to find a job in my field of study. I was looking into becoming a CNC programmer at our local tech college. The testing was completed, and all entrance pre requisites were passed. After I filled out the FAFSA I was informed that due to having more than $50,000 in federal loan debt, I was ineligible for more student loans.”

440. ████████████ (ID 8318), 5/1998-5/2000:

“Because of my student loan I've tried to get financing for school but my credit is trash now.”

441. ████████████ (ID 8706), 9/2008-7/2012:

“I wanted to go to Graduate school.”

442. ██████████████████(ID 8734), 8/2010-2/2012:

“Because of my debt with ITT, I was unable to apply for anymore student loans, which has caused me to not continue with my education.”

443. ██████████████████(ID 8576), 5/2006-3/2008:

“Couldn't apply for a federal pell grant to.further my education because of owing a federal loan.”

444. ███████████ (ID 5248), Information System Securities, 4/2005-5/2010:

“They maxed me out on federal aid to the point that I had to take a private loan out from them which at the time was undetermined who the loan would go to. Then I was not given the option of picking a lendor.”


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445. █████████████ (ID 2532), Software Development, 9/2008-6/2011:

“I have so much debt they tell me I dont have anything left to even go to community college.”

446. ████████████ (ID 9575), Electronic Engineering Technology, 12/1996-11/1998:

“Have not been able to procure financial assistance for continuing my education.”

447. ████████████████ (ID 5004), 8/2002-2/2004:

“After paying for community college out of pocket for a year I had to drop out because I could afford the payments, if I had used the loans to start at a community college I would've been so much better off.”

448. ████████████████ (ID 7903), Criminal justice, 12/2009-6/2013:

“I want to get my bachelors to find a career job but with the amount of student loan debt I have, I just can't.”

449. █████████ (ID 9138), Electrical And Electronic Engineering, 8/2013-3/2016:

“I had just enough left to do my bachelor's at ITT Tech but now that I have to restart everything I don't have.”

450. ███████████████ (ID 9044), 9/2007-7/2009:

“I am at my max for federal loans.”

451. ███████████████ (ID 4832), Game Design, 9/2007-9/2008:

“I would like to enroll in another school to get my desired degree to make a better life for my son and myself. But, that is not an option because I cannot afford anymore student loan debt.”

452. ███████████████████ (ID 3726), Information Technology Multimedia, 11/2005-12/2007:

“I did wanted to continue in furthering my education for a Bachelor's Degree in ITT Tech, or at another college, but I did not want to put myself through any more mental constraints & financial stresses. Again, I enrolled in Information Technology/ Multimedia, because 1) I needed to learn & be educated as much as possible about my field of study (Information Technology & Multimedia), 2) I needed to make a name of myself within my family, 3) I needed to hopefully find a career in my field of study & 4) I needed to give myself a chance, in this world, to do what I love & to fulfill my passions in the graphic arts & computer sciences. Unfortunately, that has not been the case for me as of 2015 of September. Currently, I am stuck in over $36,000+


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estimated worth of excessive, endless student loan debt & that is not including the interest on those student loans. I needed to focus & concentrate on my education as much as possible, no matter what school I attended to. Once again, I did not know of the future & potential dangers.”

453. ████████████████ (ID 9017), Applied Computer Science, 1/2001-3/2003:

“I was told if I was going to enroll in another school it would be private loans as I maxed out my aide.”

454. █████████████ (ID 9717), 12/2008-10/2012:

“Because itt tech took too much I'm student loans I wouldn't qualify for anymore loans to continue my education.”

455. ██████████████ (ID 8399), Computer Networking Systems, 6/2010-6/2012:

“I wanted to go and get my bachelors degree but I have some much to pay back that financial didn't make sense.”

456. ███████████████ (ID 9090), Electronics, 1/2009-6/2011:

“I max out my financial aid.”

457. ████████████ (ID 9053), 3/2003-12/2012:

“I had plans of going to another school to complete a master, but I cannot afford to take in any more debt.”

458. ███████████████ (ID 9036), Computer Tech, 1/2002-3/2005:

“The loan amount was already high that i was unable to continue my education.”

459. █████████████████ (ID 9249), Criminal Justice, 3/2006-8/2008:

“ITT had used up all of my student loans that I had access to so I was unable to join another school due to lack of money.”

460. ██████████████ (ID 9681), Computer Electricial Engineering, 7/2002-6/2003:

“Couldn't get further student loan assistance because of the student loan.”


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461. ████████████████ (ID 6141), 1/2005-9/2007:

“I could not afford to finish my BS degree at UT because of the 70,000 I already had in student loans.”

462. ████████████████ (ID 9346), Computer Networking System, 1/2004-1/2007:

“My student loans are maxed can't finished.”

463. ████████████ (ID 9377), IT-Computer Network Systems, 8/2010-9/2012:

“I was considering going to another local state school but I do not want any more loan debt on my shoulders.”

464. ██████████ (ID 4849), Multimedia & Game Development, 6/2004-7/2008:

“I have been told by creditors and debt collectors from sallie mae that i wouldnt be able to attend other school due to my debt status.”

465. ██████████████ (ID 7384), Electronic Engineering Tech, 12/1994-1/1998:

“I can't go to a traditional school because of my loans.”

466. ████████████ (ID 7037), 8/2007-3/2010:

“Couldn't attend even a community college without paying out of pocket. No grants or loans were given due to the high amount ITT took out for me.”

467. ███████████████████ (ID 8887), Computer and Electronics Engineering Technology, 9/2003-6/2005:

“Being so far in depths with the loans from ITT I am unable to even go to a vocational school for training.”

468. █████████████████ (ID 9504), 9/1996-12/1996:

“Due to the fact my loans are in default i cant get another loan to futher my education.”

469. ████████████████ (ID 8209), Information Security Systems, 9/2005-3/2010:

“The amount owed in student loans made it so that I could not keep current on the payments there for I could not take out student loans to pursue my degree further.”


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470. ██████████████ (ID 3707), Multimedia, 9/2006-2/2007:

“I tried to hack it and stay in the courses but by mid-semester I was so upset and distraught. I had 3 loans - a small private loan ($1000), a small federal loan ($5000) and a HUGE private loan ($13,000) all through Sallie Mae. My total owed for 2 semesters was over $16,000. The federal loan has been paid back because my wages were garnished. The two private loans are in default - and of course they are the BIGGEST loans. It has wrecked my credit and destroyed any chance of going back to school for what I really WANT to do. I do not qualify for government assistance now, nor do I qualify for grants.”

471. ██████████████ (ID 4129), 6/1988-6/1989:

“I don't if ITT is to blame, but I was denied student loans for my son[.]”

472. ███████████ (ID 9185), 7/2008-6/2010:

“I want to start at my local community college. I couldn't not afford the class out of pocket and my loans are currently over 30,000.”

473. ████████████ (ID 7670), 8/2006-10/2007:

“I have wanted to go back to school to further my career for the profession I am in now for some time. I am unable to do so because of the tremendous amount of student debt I already have.”

EXHIBIT 27 - Predatory Student Lending · Exhibit 27 p. 5 27. (ID 7109), California-Lathrop,...

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Transcript of EXHIBIT 27 - Predatory Student Lending · Exhibit 27 p. 5 27. (ID 7109), California-Lathrop,...