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low dear listeners and welcome I am your host America Li's today is a very exciting day because a federal judge has just ruled that the Department of Education is to implement the Bauer defense rule immediately that means that any pending applications and any future defense to repayment applications will be processed great news so if there was ever a great time to apply for defense turret payment now's the time so today I'll be filing my defense to repayment application and in the process I hope to teach you how to file your own before we get started I want to briefly touch upon what defense to repayment is and how it came about so just bear with me for a second so back in 95 the first borrower defense regulations for colleges were put in place they were obscure though and barely anyone took advantage of them then 20 years later Corinthian Colleges collapsed and somebody found out about this so-called loophole and people started filing started filing borrower defense claims like crazy

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