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FAQ: Assurance of Voluntary Compliance Agreement with Mid-Continent University

​​Q: What is the Assurance of Voluntary Compliance (AVC)?

A: The Assurance of Voluntary Compliance is an agreement filed in court between the Kentucky Office of the Attorney General (KYOAG) and Mid-Continent University (MCU) to resolve the KYOAG's allegations of legal violations by MCU. Under the AVC, MCU does not admit that it violated the law but agrees to take certain actions and to comply with the law going forward.

Q: Am I covered by the AVC?

A: If you were an MCU student and were extended credit and/or offered institutional loans by MCU for educational services you received during the 2011-2012, 2012-2013, and/or 2013-2014 academic years in place of federal student aid you expected to receive, you have rights under the AVC. If you are covered by the AVC, you will receive a mailing from MCU soon with further information.

Q: What are my rights under the AVC?

A: If you are covered by the AVC, you have the following rights:

  1. You have the right to be offered an institutional loan matching the terms, conditions, benefits, and protections of Federal Direct Loans to repay any balance on your MCU account. This means that you may be eligible for a grace period, deferment or forbearance of your loan, various repayment plans (including income-based repayment plans), and teacher or public service loan forgiveness.
  2. If you did not transfer your MCU credits to another school and did not complete your degree, you have the right, if you meet certain criteria, to apply for a discharge (forgiveness) of any remaining MCU balance for which you anticipated but did not receive federal loans. In order to qualify for a discharge of your MCU balance, you must:
    • have been enrolled at MCU or on an approved leave of absence on the school's closing date, June 30, 2014, or have withdrawn from MCU 120 days or less before that date. The 120 day period may be extended under exceptional circumstances related to the school's closure.
    • have not completed your educational program either at MCU or at another institution through a teach-out or by transferring credits earned at MCU

Q: Can I receive a discharge of my MCU balance and still transfer my MCU credits to another school?

A: No. Essentially, you must choose whether to retain your credits from MCU for transfer to another institution or whether to obtain a discharge of your balance. If your MCU balance is discharged, your transcript will include a notation that the credits you earned at MCU will only be available for transfer to another institution if the discharge is reversed and your balance returned to payment status.

Q: How do I apply for a discharge of my MCU balance?

A: The mailing you will receive from MCU will include a discharge application. Complete the application and mail it back to MCU as soon as possible at the address provided.

Q: I have outstanding federal loans that I took out to pay for my educational services at MCU. Can I have those loans discharged?

A: Yes, if you were enrolled at MCU or on an approved leave of absence on June 30, 2014, or withdrew from MCU 120 days or less before June 30, 2014, and have not completed your educational program either at MCU or at another institution through a teach-out or by transferring credits earned at MCU. The 120 day period may be extended under exceptional circumstances related to the school's closure. You should be aware that if you obtain a discharge of your federal loans, your MCU credits will not be available for transfer to another school unless the discharge is reversed and your loans returned to payment status.

Q: How do I apply for a discharge of my existing federal loans?

A: Contact your loan servicer and inform the representative that you want to apply for a closed school discharge of your federal loans.

Q: If I think my account balance as provided by MCU is wrong, what should I do?

A: If you believe you owe less than the amount shown on your account balance, you should notify MCU of the basis for the dispute of your balance in writing at:

Mid-Continent University
99 Powell Road East
Mayfield, KY 42066-9007

You should attach copies of any supporting documentation. You may also make inquiries about your dispute to MCU at 270-251-8900. If MCU is unable to resolve your dispute, MCU will notify the KYOAG, which may review your dispute and attempt to assist in resolving it.

Q: If I disagree with any determination made by MCU about my rights under the AVC, what should I do?

A: If you disagree with any determination made by MCU about your rights to a loan matching the terms of the Federal Direct Loan, the administration of any such loan, or your rights to a discharge of your MCU balance, you should notify MCU of the basis for your dispute in writing at:

Mid-Continent University
99 Powell Road East
Mayfield, KY 42066-9007

You should attach copies of any supporting documentation. You may also make inquiries about your dispute to MCU at 270-251-8900. If MCU is unable to resolve your dispute, MCU will notify the KYOAG, which may review your dispute and attempt to assist in resolving it.

Q: I have read this information but still have questions. Who can I contact?

A: For further information, you may e-mail the KYOAG at mcu3@ky.gov. If you wish to leave us a message, you may do so at 855-813-6507. You may also mail the Office of Consumer Protection, 1024 Capital Center Drive, Frankfort, KY 40601.

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