host: susan ferrechio --danielle douglas-gabriel covers higher education for the washington post. why would you take out a $50,000 loan to get some degree that pays you $12-$15 an hour? caller: good morning. presently, i owe $20,000 in debt to the art institute of pittsburgh. the new york times said it was the biggest fraud in academia when the department of justice suited them for fraud. -- sued them for fraud. the art institute is bankrupt. they have a supposed repayment and forgiveness program, which i applied for called the debt forgiveness application. borrowers defense to loan repayment. the art institute has a fund that is supposed to make me whole. betsy devos said on my application for 3.5 years -- sat on my application for 3.5 years, and then denied it. i am a victim of a crime. i have paid well over $15,000 on the $12,000 i borrowed and i still owe $20,000. when you have defaulted on a loan and you have established repayment, you first pay on interest, then on fees, collection fees, and then you pay on the principal. i still owe more than half of the principal. i am 62.