I am one of too many who have been injured in the student loan system. An "A" student who put herself through college, I wanted to pursue a Ph.D. but was left with nothing but massive debt and a frightening story of legalized fraud. In the year 2000, I entered Union Institute and University’s Doctoral program. Based in Cincinnati, UIU was running without licensing in Washington, D.C. UIU had unlicensed, Federally funded sites throughout the country. The school knew this for some time but never addressed it.When I brought up the licensing issue, I was involuntarily removed from my program. The Department of Education, the accreditation agency, and other agencies investigated the school and temporarily froze the school's funding. The school was ordered to make significant changes in their program, their administration, and in their delivery, including changing the way they structured their “semesters” and fees. The school closed their D.C. "site." They got their money via the Federal student loan program. But I was left with no credits to transfer, no degree, and now, after interest, more than $55, 000.00 in debt. One attorney attempted to negotiate with the school so I could at least complete my program. The school responded that I would have to begin all over again and pay all over again. For more details, visit my blog: http://luxuriouschoices.blogspot.com/search/label/Union%20Institute