If you attended Ridley-Lowell Business & Technical Institute (Ridley-Lowell) in Connecticut, New York, or Rhode Island, you might be able to discharge all or part your federal student loan debt. If you qualify for a discharge, the debt is forgiven, which means you don't have to repay it.
Also, you might qualify for a state program that reimburses students who paid out of pocket or took out private loans to pay for their Ridley-Lowell tuition.
Ridley-Lowell was a certificate-granting institution with five campuses across three states: Connecticut, New York, and Rhode Island. The school offered programs in areas like cosmetology, massage therapy, phlebotomy, HVAC installation, and electrical systems.
On April 5, 2018, officials at Ridley-Lowell informed the U.S. Department of Education that the school was closing.
Students who took out federal student loans to attend Ridley-Lowell, and parents who borrowed PLUS loans on behalf of students, might be eligible to fully discharge those loans. (Learn about different types of federal student loans.)
The institution’s last day of instruction—April 4, 2018—serves as the official closure date. This date is used to determine eligibility for closed school discharges.
Eligibility criteria for a closed school discharge. You're eligible for forgiveness of the federal student loans you took out to attend Ridley-Lowell if:
But you aren’t eligible for forgiveness if any of the following is true:
How to apply for a discharge. To apply for a discharge of the federal student loans you took out to attend Ridley-Lowell, you can:
To get more information about getting a closed school discharge, contact your loan servicer or see the U.S. Department of Education’s Federal Student Aid website. Also, be sure to continue making your loan payments while your discharge application is pending.
Some states have programs that reimburse students for amounts they paid to a school that closed, which aren’t covered by other sources. A state program might, for example, provide money to repay private loans you took out to attend a school that closed or to reimburse you for cash payments you put towards tuition at a school that later shut down.
Connecticut. The Connecticut Private Occupational School Student Protection Fund provides tuition reimbursement to students who paid out of pocket or took out private loans to pay for all or part of their Ridley-Lowell tuition. To learn more, contact the Connecticut Office of Higher of Education.
New York and Rhode Island. To find out if similar assistance is available in New York or Rhode Island, contact the New York Bureau of Proprietary School Supervision or the Rhode Island Office of the Postsecondary Commissioner, whichever is applicable to your situation.
If you took out private student loans to attend Ridley-Lowell, but don't qualify for assistance from the state, and want to learn about possible forgiveness options, contact your private loan lender. (Learn more about repayment options for private student loans.)
To learn how to get your Ridley-Lowell transcript or grades, and for other useful information, see Ridley-Lowell’s website. To read about different types of discharge options for federal student loans, see Student Loan Relief: Canceling Your Loans.
If you need help applying for a loan discharge, dealing with student loan delinquency or default, settling student loan debt, or communicating with your student loan holder or servicer, consider talking to a student loan attorney. You might also consider consulting with a debt settlement attorney who focuses on student loans.