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News :: Human Rights
The Student Loan Crisis: a Personal Memoir - Was that Dartmouth Degree Really Worth It?
25 Jul 2014
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Was that Dartmouth Degree Really Worth It? The Student Loan Crisis: a Personal Memoir

I’m now going to write about something that I never discuss. It’s something that makes my chest heavy, and my face flush. It’s an issue that in my early 20’s had me feeling crestfallen, and that still bothers me today. It also happens to be a matter that among the general US population has reached crisis proportions. It’s an epidemic that I’m ashamed to be a part of, but here is the truth: I owe student loans. And I am 48 years old.

It started insidiously. Throughout my youth in Minnesota, my family and teachers urged me to develop my cognitive abilities, to focus on school, to push myself intellectually. And, fortunately, I was naturally curious and had some innate ability. I was identified as “gifted” and thus eligible to take special courses in my public school system, both during the academic year and during summers. I took advantage of these whenever I could.

By the time I got to high school, I was used to doing well in school. My best friend (whose family had a lot more experience with such matters) told me that the next step I should strive for was to attend a fancy East Coast college, but that to do so I had to really buckle down and work hard to keep my grades as high as possible. Mission accomplished: Throughout high school, I took the hardest courses available, and ended up with one “A+,” dozens of “A’s” and three “A-’s.” I was a National Merit Scholar.

I enrolled at Dartmouth College, a member of the vaunted Ivy League. But after a year or so I noticed something: I didn’t like the place very much. Fraternities (about which I’d been totally clueless) were rampant, and the attendant ritualized alcoholism to me was abhorrent. At newly coeducational Dartmouth, misogyny was explicit and widespread, and homophobia and racism were in the air as well. Intellectualism was ridiculed by important swaths of the student body.

What to do? I applied to transfer to two different East Coast colleges, but was not accepted at either. I can see why: I was not a minority, I was not a competitive athlete, I did not have rich parents who were potential donors, and I would continue to need financial aid. Maybe most importantly, I had some “B+’s” on my transcript.

At the same time, I applied for a coveted spot in Dartmouth’s two-term study abroad program for English majors, carried out in London. To that I was accepted, and I was relieved that I would get a break from a campus that I never found hospitable to begin with, and which had succumbed to apartheid-related tumult fueled by the reactionary and noxious William F. Buckley-inspired student newspaper “The Dartmouth Review.” It really felt like half my classmates were off getting drunk and denigrating women at the fraternities, while another group were hellbent on making Dartmouth an all-white campus reminiscent of the 1950’s. The alcoholic sleaze and ideological acrimony were palpable. And I was taking out student loans for the privilege of being at the center of all this!

Why was I taking out loans? Despite my being a bright student, my young parents had saved literally no money for me to attend college. They were struggling to live a suburban lifestyle, while in fact working toward their own college degrees. And then they divorced. So, for me to attend, Dartmouth had to pony up a lot of financial aid money that mostly consisted of grants, but also of loans. That’s how it started.

And I’m sure that’s how it starts for a lot of American youngsters. You’ve worked hard in high school, you see more affluent peers heading off to prestigious schools without blinking at the price tag, and you don’t want a little thing like a loan to hold you back. As a teenager, financial matters don’t feel tangible. In any case, your imagined future self surely will be wealthy and successful. Academically, I had taken on and succeeded at virtually every challenge in my path. I wasn’t about to balk and change course in what seemed like the logical next step.

This is one of the most heinous and predatory aspects of America’s trillion-dollar student loan racket: it is foisted on kids. One’s brain is not fully developed until age 25, and judgements made before then are prone to flaws. Rental car companies know this; they won’t do business with anyone under that age. Why don’t universities? You can’t drink until you’re 21, yet you can go thousands upon thousands dollars in debt just trying to educate yourself. It’s patently wrong.

So, off I went to London, one of the most expensive cities in the world, to study a subject – English literature – not known especially for future remuneration. My parents and I paid Dartmouth tuition, even though the public English university I attended charged its students, I’m sure, far, far less. Another ripoff. Yet, I took out more loans since I was not able to do work-study, and to meet living expenses even tapped the $1,000 certificate of deposit that my grandparents (family farmers) had given me as a high school graduation gift.

Back from London and at home in Minneapolis for the summer, I decided not to head back to Dartmouth for senior year. Instead, I would go to the University of Minnesota and graduate from there. That idea did not sit well with my parents, after all the time and resources expended to that point on my “Dartmouth experience.” My argument was that I didn’t want to borrow more money to spend time at a place where I wasn’t comfortable. Their argument was that there was just one year left. So, I went back, took out more student loans, and graduated from Dartmouth College. It was over.

Except that - financially – it wasn’t over. Senior Week we student debtors (approximately 40% of the student body, a kind of lower caste) were harangued by an impetuous little man sent by the College to inform us about the utter necessity of never falling behind on a single payment, and that these would commence in six months.

Here is another great flaw and injustice in the student loan system: In retrospect, I would not have matriculated at Dartmouth. Yet I had this debt from having done precisely that. If you take out an auto loan, the car depreciates in value but at least you can sell it to someone else. If you no longer like your house, you can sell it to a new owner and pay the mortgage off. My degree I could not sell to anyone else; there was nothing I could do with the debt that seemed so daunting to me at age 22, by which time I had never earned more than ten dollars an hour at any job. Nobody could purchase my experience reading Conrad’s “Nostromo” or my Spanish skills on a secondary market. My time watching drunk Dartmouth undergrads urinate off the fire escape at 3AM or vomit into waste baskets was not fungible.

I was stuck, and that infuriated me. “Start saving and investing early,” ran the conventional wisdom in my middle class milieu. Smart advice. Yet I was handcuffed and forced to do just the opposite: Service debt. This is a very perverse outcome of the American educational system. It dims one’s future just as that future is supposed to be burning brightest. It introduces you to well-defined limitation, just as you’re supposed to feel a great expansion in your personal possibilities. And this awful system had engulfed me, who had been unsuspecting most of the time, who growing up in Minnesota had been used to trusting institutions and systems to look after my interests.

It would be interesting if colleges like Dartmouth kept track of the relationship between the acquisition of student debt and future academic and professional attainment. For years I’ve suspected that the kids one reads about in the alumni magazine who go to Stanford Law School, or Harvard Business School, have parents helping them out. If debt is involved in financing the next stage of the Ivy League dream, it’s never mentioned, although for the sake of reality it should be. But there must be a measurable bifurcation: At graduation, the commencement speaker might fairly say, “For those of you with no debt, for those whose families paid every dime of your undergraduate expenses, Dream big!; for those of you with substantial student debt, well, Rein in those dreams — your set of possibilities is more limited.” And, of course, parents who’ve spent their early years servicing debt instead of saving and investing are more likely to perpetuate the bifurcation within the next generation. America’s student debt crisis I’m sure has acquired intergenerational features.

I suspect that many reading this piece will be upset with me. “How can you look a gift horse in the mouth,” they might be thinking. “Dartmouth College did give you financial aid, and now you have an Ivy League degree.” That’s true. But it doesn’t mean the current system of doling out student loans is optimal educational policy, especially in an alleged meritocracy. Other rich, civilized countries (Denmark, for example) do not ask young people to start their young lives right out of the gate with educational debt. In fact, many countries charge nominal sums even for professional school attendance, a cost that in the USA is probably the greatest hurdle for many would-be doctors, attorneys, etc. Asking immature but aspiring youngsters to go into debt as the first step into an adulthood with any kind of possibility is terrible social policy.

There’s also the haphazard, byzantine attempts at social engineering that have attached to the realm of student debtors. For some professions, and within some institutions – such as the US Congress – the employer will make debt payments on behalf of the former student. But there is no comprehensive vision to this patchwork system, one that in any case amounts to little more than indentured servitude. Moreover, who decides which activities are more socially desirable? Why is working for Congress deemed more worthy of debt relief than, say, tinkering around with green automotive technologies in one’s garage? This carrot-and-stick approach to student debt and employment choices strikes me as profoundly anti-liberty and un-American.

Finally, there is an aspect of this student loan debacle that is specific to Dartmouth College. For years, a handful of the college’s trustees have funneled money from the multi-billion dollar endowment to their personal financial firms, netting for themselves millions of dollars in commissions and fees. It’s a grotesque instance of self-dealing and conflict of interest made all the more heinous because hundreds of Dartmouth students continue to take out significant amounts of student loans: The average debtor graduates owing $17,825. (That’s a lot of money to a virtual kid who has spent his/her life up until then focused almost only on school, not breadwinning.) It’s a microcosm of the USA’s increasingly feudal-looking society: A few financial insiders look out for themselves and make out like bandits, while the rest of us get saddled with debt. My hope is that more Dartmouth alums will wise up to what is going on and demand that the trustees stop this utterly unethical practice of profiting personally from their official dealings with the college.

Finally, I guess I need to explain how one year removed from my 25th college reunion I still owe money relating to my degree. Well, over the decades I have taken advantage of every single loan deferment and forbearance available. The financial crisis has been particularly kind to me, because interest rates have been virtually zero and my debt compounds at a glacial pace. Meanwhile, the stock market has soared, making my net worth look better and better. But till now I haven’t paid a cent, on principle; I’m sickened by a system that almost forces the intellectually curious and ambitious to go into debt just in order to get a foundational education. I do plan to pay someday, though, by writing out a single check for the sum total owed. After all, I have a daughter in first grade whose college years are rapidly approaching.

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CFPB Sues ITT Tech Over Student Loan Practices
25 Jul 2014
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The Consumer Finance Protection Bureau (CFPB) is suing Indiana-based, for-profit ITT Educational Services, Inc., also known as ITT Tech, over predatory student loan practices that allegedly occurred between July and December 2011. This is the first time the CFPB has taken action against a for-profit college.

“ITT marketed itself as improving consumers’ lives but it was really just improving its bottom line,” CFPB Director Richard Cordray said Feb. 26. “We believe ITT used high-pressure tactics to push many consumers into expensive loans destined to default. Today’s action should serve as a warning to the for-profit college industry that we will be vigilant about protecting students against predatory lending tactics.”

In a recent news release, the CFPB said ITT’s tuition costs are among the highest in for-profit colleges. Total tuition for an associate’s degree can cost more than $44,000, and tuition for a bachelor’s degree can cost $88,000 – both figures much higher than the average cost for a comparable degree at a community college or public four-year university.

Because federal student aid doesn’t cover that high of a cost, lower income consumers would have to look elsewhere to cover the rest of the tuition, the CFPB said. In its marketing efforts, ITT Tech claimed to improve the lives of its students by helping them earn their degrees and land better-paying jobs.

But the CFPB said in its complaint, “ITT’s business model relies on convincing these consumers to obtain federal aid, mostly loans, to pay ITT….Federal aid, mostly loans, taken out by consumers comprises the overwhelming majority of ITT’s revenue.”

Since most ITT students could not afford to pay the balance of the cost with their own money, ITT offered them zero-interest, short-term loans, known as “Temporary Credit.” The loans had to be paid off in a single payment nine months after the end of that academic year.

If students were unable to pay off the Temporary Credit loan, ITT allegedly pressured them into paying off the Temporary Credit with high-interest, high-fee private loans, which could be paid over 10 years. If students refused the loans, ITT allegedly threatened to expel them, according to the CFPB’s complaint.

“Default rates for ITT students on all loans have been high, but ITT itself projected, as far back as May 2011, that more than 60% of the students who had received the private loans would default,” the CFPB said.

In a written statement, ITT responded, “The core claims concern a mere six months of loans, but the Bureau knows that independent third parties provided those loans, and the loan programs ended years ago. Significantly, ITT Tech did not make any money, in interest or fees, from those third-party programs, which were designed to help students during the recent economic downturn.”

ITT spokeswoman Nicole Elam added that less than 2 percent of students currently rely on private student loans, as ITT Tech has instituted its new Opportunity Scholarship, which has been awarded to 70 percent of students, as of Jan. 30, 2014.

Throughout the written complaint, the CFPB cites several mystery shoppers, which Elam said ITT voluntarily hires to keep itself accountable to its own policies and procedures. Some mystery shoppers, who were quoted in the complaint, said they were pressured to meet with financial aid representatives and then were rushed through the enrollment and financial aid process. A couple of mystery shoppers even reported that the financial aid representative forged their signatures while rushing through the paperwork.

ITT said the mystery shopper anecdotes were isolated incidents that were taken out of context. “Contrary to the Bureau’s allegations, ITT Tech did not ‘coerce’ its students into unfair loans, or ‘rush’ them through the financial aid process,” the news release stated, noting that the purpose of the mystery shopper program was to identify employee conduct that contradicted ITT’s policies and procedures.

Cordray said all for-profit colleges and their partners that offer financial products and services will be subject to the same kind of standards as other consumer financial products and services. “Consumers need to know what they are paying for and they need accurate and transparent terms,” he said. “Unfair, deceptive, or abusive acts and practices will not be tolerated.”
The Student Loan Crisis: ITT Tech
25 Jul 2014
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ITT Tech and other for-profit schools cost at least twice as much compared to a traditional state-funded community college or university.

For-profit schools are educational institutions that are run by private, profit-seeking companies or organizations. Most are publicly traded on the stock market.

ACICS Board of Directors, that gives 'national' accreditation to ITT Tech, consists of executives from ITT-Tech, Apollo College, Bryan College, Santa Barbara Business College,Pinnacle Career Institute, Career Education Corporation, Lincoln Educational Services, and more. ITT-Tech practically accredits themselves.

ITT-Tech, like many for-profit schools are not regionally accrediated. Most state-funded college and universities will not accept credits from ITT-Tech!
Federal Consumer Agency Sues For-Profit College ITT Tech
25 Jul 2014
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The federal Consumer Financial Protection Bureau this morning filed a civil lawsuit against for-profit college company ITT Educational Services, seeking restitution to students allegedly harmed by ITT's private loan programs, a civil fine, and an injunction against the company. The CFPB filed its complaint in federal court in Indianapolis, near ITT's headquarters.

UPDATE [1:15 pm]: The CFPB just held a press conference to discuss the case. CFPB director Richard Cordray charged that ITT "misled students by overstating their salaries and job prospects upon graduation" and then pushed them into predatory high-interest private student loans.

Cordray called the abuse of students by the overall for-profit college industry "truly an American tragedy." He was joined at the event by the attorneys general of Kentucky, Illinois, Iowa, and New Mexico, all of whom are conducting investigations of major for-profit colleges.

Illinois AG Lisa Madigan called for-profit college business practices "indefensible." Kentucky AG Jack Conway discussed the new investigation that thirteen state AGs have launched against Education Management Corporation, Career Education Corporation, and Corinthian Colleges, as well as ITT. He said many for-profit colleges were "more interested in getting student loan dollars than in educating students."

Conway noted that the for-profit college industry hires large numbers of powerful lobbyists, including former members of Congress, to block accountability measures, and said that these law enforcement investigations were an important response to the harms caused by the industry.

Cordray said that ITT has been telling different stories to students than what it is telling investors. ITT's own analysis, he said, showed that 64 percent of its students would default on their private loans, information it did not share with students. "While many students got poorer, the investors and shareholders got richer," he said.

Here's the press release CFPB sent out:

FEBRUARY 26, 2014

CFPB Sues For-Profit College Chain ITT For Predatory Lending

ITT Pushed Consumers into High-Cost Student Loans Likely to Fail

WASHINGTON, D.C. -- Today the Consumer Financial Protection Bureau (CFPB) filed a lawsuit against ITT Educational Services, Inc., accusing the for-profit college chain of predatory student lending. The CFPB alleges that ITT exploited its students and pushed them into high-cost private student loans that were very likely to end in default. The CFPB is seeking restitution for victims, a civil fine, and an injunction against the company.

"ITT marketed itself as improving consumers' lives but it was really just improving its bottom line," said CFPB Director Richard Corday. "We believe ITT used high-pressure tactics to push many consumers into expensive loans destined to default. Today's action should serve as a warning to the for-profit college industry that we will be vigilant about protecting students against predatory lending tactics."

Like the mortgage market in the lead-up to the financial crisis, the for-profit college industry may be experiencing misaligned incentives. These colleges benefit when students take out large amounts of loans, regardless of the students' long-term success. The CFPB is concerned that some of these corporations may be employing practices to coax consumers into taking out more federal and private student loans. Today's announcement is the Bureau's first public enforcement action against a company in the for-profit college industry.

ITT Educational Services, Inc. is an Indiana-based for-profit provider of post-secondary technical education. Tens of thousands of students are enrolled online or at one of ITT's roughly 150 institutions in nearly 40 states. ITT's tuition costs are among the highest in the country in the for-profit industry. Earning an Associate's degree at ITT can cost more than $44,000. Bachelor's degree programs can cost $88,000. That is significantly higher than the cost of similar degrees at a community college or a public four-year institution.

Most of ITT's students borrow large sums to pay the high tuition costs and the majority of this money is borrowed from federal student loan programs. But private student loans also provide critical revenue for ITT. Because most ITT students' federal aid does not cover the full cost of an ITT program, most students face a "tuition gap" requiring them to find other sources of funding.

The CFPB's lawsuit alleges that ITT encouraged new students to enroll at ITT by providing them funding for this tuition gap with a zero-interest loan called "Temporary Credit." This loan typically had to be paid in full at the end of the student's first academic year. But ITT knew from the outset that many students would not be able to repay their Temporary Credit balances or fund their next year's tuition gap.

The CFPB lawsuit alleges that between July 2011 and December 2011, ITT pushed its students into repaying their Temporary Credit and funding their second-year tuition gaps through high-cost private student loan programs. Students were left in the dark about the fact that taking out these high-cost loans would be required to continue their studies. However, ITT's CEO revealed in investor calls that converting the temporary loans to long-term loans was the company's "plan all along."
Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Specifically, in today's lawsuit, the Bureau alleges the following conduct by ITT: •Pressured into predatory loans: ITT used its financial aid staff to rush students through an automated application process without affording them a fair opportunity to understand the loan obligations involved. In some cases, students did not even know they had a private student loan until they started getting collection calls. The loans were high-cost. For borrowers with credit scores under 600, for example, the costs of the private student loans included 10 percent origination fees and interest rates as high as 16.25 percent.
•Credits not transferable: ITT was accredited by a national organization that accredits many for-profit schools, but the credits that students earned typically did not transfer to local community colleges or other nonprofit schools such as public or private colleges. ITT used the prospect of expulsion and the loss of the money already spent during the student's first year to coerce students into taking out the private loans.
•Misleading future job prospects: The Bureau believes that ITT's representations led students to think that when they graduated they were likely to land good jobs and enough salary to repay their private student loans. In this way, ITT exploited student expectations while it knew that a majority of students would default.
•Loans likely to fail: ITT knew that most of its students would ultimately default on their private student loans; it projected a default rate for its students of 64 percent. Defaulting on private student loans can have grave consequences for consumers. It can make it difficult to get any kind of loan for years and even affect a borrower's job prospects. And, because private student loans are difficult to discharge in bankruptcy, the debt can be very difficult to recover from.
ITT the Charter College - Private Profit, Public Money
25 Jul 2014
ITT Tech made the mistake of trying to rip off my son. It took me over a year to pull all the documents together. This is a link to general information.

I am a consumer advocate with heavy paralegal experience in corporate law. I was fortunate enough to work for prosecutors and firms who represented victims of financial crimes. I was able to get enough evidence against ITT Tech to present the matter to the U.S. Dept. of Education and to ask for a formal investigation.

Before I describe what ITT Tech did to my son, heres a link to general student loan fraud information. I suggest that you gather copies of your evidence, and send a letter to the Dept. of Education explaining what ITT Tech did to you.

We need to put pressure on the Dept. of Education to investigate ITT Tech and stop the mass of fraud. This is going to take everybody to write a letter. Keep copies. Also send a copy of the same letters and copies to your senators and congressional reps.

U.S. Department of Education
400 Maryland Avenue, SW
Washington, D.C. 20202

You can also call the Inspectors General Hotline at 1-800-Mis-Used

My son was lured to an ITT Tech campus by another student that he met at work. They sold him an agreement, they targeted him to their bank, and then they had him fill out student loan applications with banks. All his applications were turned down.

They never told him his applications for loans were rejected. In fact, they kept him in the dark, and made him think everything was just fine. When the 2nd year rolled around, they asked me for a $5,000 cash, and told me they could kick him out unless he wrote the check. I refused to write them a check, and they kicked him out.

They made him think that the loans were approved, and they disbursed the loans on the balance sheet - but in fact, there were no loans at all. They kicked him out, they breached the enrollment agreement, and then sent a fake loan to the U.S. Dept. of Education. My son never qualified for any private student loans. They made up a fake balance sheet with fake loans, and then tried to stick him with the bill.

The U.S. Dept. of Education has a computer system where a record of all loans in the students name are kept. ITT Tech reported a fake loan to the U.S. Dept. of Education. Then the U.S. Dept. of Education reported the loan as a default to the IRS, and ordered a garnishment.

When we first tried to get documentation - ITT Tech sent the Dept. of Education a copy of the application for the loan - hoping that the Dept. of Education wouldnt realize it was the application -

The Ombudsmans office at U.S. Dept. of Education combined the legitimate student loans my son had - with the fake loan - then attempted to sell him a consolidated loan with a preferred lender.

When I told the U.S. Dept. of Education what they did, I got no reply.

I started talking to other ITT Tech students and parents, and heard similar stories about a loan that doesnt exist - that the fake loan was disbursed to the balance sheet - and reported to the Dept. of Education.

I put everybody on formal notice that they have about 60 days to clean up this fraud, or Im going to report it all to the Financial Crimes Unit of the FBI.

In my sons case, ITT Tech was reporting fake loans to the Dept. of Education, claiming the student qualified for the loan. If I didnt have the documents, I wouldnt make the charge.

Theres also an issue of luring students to a private career college, and then engaging in predatory lending. Clearly, ITT Tech students pay the equivalent tuition they charge at Harvard University. ITT Tech knows that the students will never be able to pay these loans back, even if they get them.

Im moving forward against ITT Tech, and hopefully, we can put a stop to this. I want everybody to get their money back, and I want all this predatory career college lending to stop.

This report was posted on Ripoff Report on 10/16/2009 11:41 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
Scamming at ITT Tech
25 Jul 2014
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I worked for the ITT Tech in Burr Ridge, IL for three years, starting back in 2005. I started out as a temporary employee, then they decided to offer me a full time job in the Career Services Department. Two years later I was promoted to the Financial Department.

There, I saw the way things worked from the other end. I sat back and wondered how the recruiting department went from almost never making their recruitment goal to making it and exceeding it, and no one thought to question why. Then I got to see firsthand how they did it. The recruitment department was told not to pick students up, that if they couldn't get to the school on their own for an initial appointment, how would they get there for class three times a week? That of course did not stop the recruitment department from going to the student's home and bringing them to their initial appointment. In order for the student to count towards their goal (called a sit), a student must attend each class that first week. After that, they need not return. If that is the case, Financial Aid takes a hit because the student will be charged for those classes and those monies will be in default and Academics takes a ding because it is considered a "drop". Recruitment of course does not care because they made their goal. I had the recruitment manager get in my face and ask why the student no logner wanted to enroll. The student was told by recruitment that they would be able to work on cars (because cars have alot of electronics they wanted to sign him up for the CEET (Computer Electronics Engenieering Technology) Degree. My boss had to intervene and say that the student was misinformed (LIED TO). New, less experienced reps were guided towards unethical practices from seasoned employees, and becaseu they feared for their jobs, they did things that they probably aren't proud of.

They did not just bend the rules, they flat out broke, them, but no one seemed to care, because the schools was finally making their goal.

The straw that broke the camel's back for me was when I had a young student convinced to lie on his FASFA (Free Application for Federal Student Aid) and say he wasn't married so that he didn't have to include his wife's taxes. I brought it to the attetion of my boss, who brought it to the attention of his boss, but ultimately, there was a supposed investigation, and nothing came of it. They pretty much said that the student (and presumably myself ) were lying. I started out really liking my job, helping students who thoght that a post-secondary education was out of reach financailly, be able to fund their education, but with all the tension and one department pitted against another and one department doing anything to succeed, even if others must fail, it just got to be too much. I no longer felt good about my job, no longer enjoyed coming to work, and no longer liked to tell people where I worked; I felt like when I told people that I worked at ITT, they lookoed at me like I just said I murder puppies for a living, it was the most unpleasant experience of my life, and I've worked in insurance.
Private College Public Funds - ITT Tech
25 Jul 2014
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ITT Technical Institute was were I received my Associates Degree of Applied Science in the field in Information Technology/ Multimedia, in Dec 2007 from ITT Technical Institute, in Norfolk, VA, along with a 3.38 GPA.

I happened to pay almost $38,000 for my education (only for an Associates Degree at ITT-Tech) and yet, I am receiving very, little value of my education. At first, I was VERY DESPERATE to get into any college and earn my degree in the field in Information Technology/ Multimedia. Now, I just realized of how I been ripped off through the poor quality of education I received in some of the classes, the expensive tuition that

I am paying for & particular teachers that careless about my education, as me being both the student & customer.

I first enrolled in November of 2005. I enrolled becuase I wanted to learn how to make websites, graphics, computer programming, video games, movies, music, animations, storyboards, etc. I truly love that stuff. However, some of the classes that I took showed very little appreciation of the $38,000 that I am paying for right now. Also, the school was supposed to help me in trying to find me a place to live. Apparently, I was lied to. What I expected was the best of the best, state-of-the-art training, hands-on technology, the world's greatest quality of education that I am supposed to be learning from, teachers that really care about your education, and no bulljive. (excuse my language, if necessary).

Also, I seen & heard complaints that college credits from ITT Technical Institute are non-transferable. Second, another sad factor is the ITT representatives tell these new recruits that as soon as they graduate, they are supposed to be guaranteed a job, that is within their profession, in which they obtained that degree in. And it never happens for some or majority of folks, including me.

However, I do have to thank career services for keeping me up-to-date, on Job Fairs & job & career opportunities around my area. So, I was wondering if you could have the school called ITT Technical Institute, investigated & why they are allowing these kind of price-gouging, low quality policies to happen to me & us hard-working ITT Tech folks. I am apologizing to myself that I got myself into this educational, financial mess.

I could have took this $37,000 and done something very positive with it like either saved it, enroll into Old Dominion University, Norfolk State University, Tidewater Community College or Virginia Wesleyan Univ. Now, that I have thought about it, if I had to do it all over again, I WOULD. I think that this school is choking the life out of the majority of these students (who can not hardly make ends meet) financially and scamming their tax dollars for poor education in some of the classes, or maybe many of them.

I'm stuck in a dead-end job that doesn't pay well (does not care about my number of years being there), and I have been applying for jobs, lately, I had no luck & it feels like that life is telling me, in so many words, to "give it up". But, I am not giving it up. I do not know what to do, except cry, cry, cry. I feel honored to write to you & I look forward hearing from you. Thank you and may God bless America