Teach-Out vs. Discharge — what not to sign

Understand how a single form or enrollment decision can permanently affect your eligibility for Closed School Discharge — and how to avoid locking yourself into repayment by mistake.

The 180-day clock (in plain English)

Learn when the window actually starts, what actions pause or reset it, and how borrowers accidentally miss it while “waiting for instructions.”

Build your evidence “war chest”

Know exactly which records to download, save, and organize before portals shut down — and how to use them as proof when servicers push back.

How to force the process to move

Use written documentation and paper trails to reduce servicer stalling, trigger reviews, and prevent avoidable denials.