Limit borrower defense discharges to proven institutional fraud

“Further, the next Administration should propose that Congress amend the HEA to remove the department's authority to forgive loans based on borrower defense to repayment; instead, the department should be authorized to discharge loans only in instances where clear and convincing evidence exists to demonstrate that an educational institution engaged in fraud toward a borrower in connection with his or her enrollment in the institution and the student's educational program or activity at the institution.”