Student Loan Forgiveness for Former Ridley-Lowell Students

Get information about discharging your student loans if you attended Ridley-Lowell Business & Technical Institute in Connecticut, New York, or Rhode Island.

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.

What Is—or Was—Ridley-Lowell?

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.

Federal Student Loan Relief

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:

  • the school closed while you were enrolled, and you did not complete your program because of the closure (students on an approved leave of absence are considered to have been enrolled at the school), or
  • you withdrew from all classes on or after December 4, 2017 (120 days or less before Ridley-Lowell closed).

But you aren’t eligible for forgiveness if any of the following is true:

  • You withdrew from all classes before December 4, 2017 (more than 120 days before Ridley-Lowell closed).
  • You finished all of your program’s coursework before the school closed, even if you haven’t received a diploma or certificate.
  • You’re completing a comparable educational program at a different school by transferring your academic hours earned at Ridley-Lowell to that school, or by any other comparable means.

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.

Other Help for Students in Connecticut, New York, and Rhode Island

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.

Discharging Private Student Loans

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.)

More Information

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.

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