I got a call from a former student of Ivy Bridge College, a college that lost its accreditation and closed in 2013.  She is still being dunned for money.  Borrowers often have defenses to these loans, but the defenses are often situation-specific.  If you are being dunned for money on a loan for a college or trade school that was either a scam or closed completely, contact a lawyer in your area through NACA at www.consumeradvocates.org.