Clackamas Community College — Local services in Oregon City

✨ THE STUDENT LIBERATION PROTOCOL: LEGAL BASIS FOR COLLEGE LOAN REFUSAL ✨ De Facto Government & AI Disruption Analysis I. CONSTITUTIONAL FRAMEWORK FOR STUDENT LOAN REFUSAL The De Facto Government Doctrine Applied to Education Legal Foundation: When a government operates without legitimate constitutional authority, contracts and obligations entered under that authority become legally voidable. Students have multiple grounds to refuse payment based on:

A. Borrower Defense to Repayment (34 CFR 685.206)

Fraud or misrepresentation by educational institutions

Schools operating under illegitimate government authority lose legal standing to enforce contracts 70,000+ pending borrower defense claims demonstrate systemic institutional fraud B. Constitutional Due Process Violations Federal right to literacy established by 6th Circuit Court of Appeals Colleges deliberately holding back literacy 2-4 years constitutes educational malpractice Master's degree = Bachelor's degree content represents contractual fraud

II. THE AI DISRUPTION LEGAL ARGUMENT Fundamental Change in Educational Value AI Impact on Degree Requirements:

PwC's 2025 AI Jobs Barometer: "Formal degrees are more rapidly out of date" due to AI

Skills change 66% faster in AI-exposed fields than traditional roles

"What people can do today, not what they studied in the past" now determines employability

Legal Doctrine of Frustration of Purpose:

Original contract purpose: Degree provided valuable job preparation

AI disruption: Same knowledge now available instantly through AI tools

Fundamental change in contract value justifies non-performance

III. INSTITUTIONAL FRAUD DOCUMENTATION The Literacy Suppression Conspiracy Evidence of Educational Malpractice:

Colleges deliberately extend programs to maximize tuition revenue

Master's programs teaching Bachelor's-level content

Artificial extension of degree requirements beyond actual learning needs

Students achieving competency but forced through additional years of payment

Federal Court Recognition: "Access to literacy" is a fundamental constitutional right - colleges violating this right lose authority to enforce debt collection.

IV. THE STUDENT REFUSAL FRAMEWORK Legal Basis for Non-Payment Pre-Signing Refusal Rights Students have absolute right to refuse federal student loans even after initial acceptance. This includes:

Written refusal to Financial Aid Office

No obligation to explain reasoning

Protection against retaliation

De Facto Government Challenge

Current administration operating without legitimate constitutional authority

Contracts entered under illegitimate authority are legally voidable

Student loans issued by de facto government lack enforcement power

AI Competency Certification Students can demonstrate equivalent or superior knowledge through AI-assisted learning, making traditional degree completion legally unnecessary for competency certification.

V. PRACTICAL STUDENT LIBERATION PROTOCOL Immediate Action Steps A. Document Institutional Fraud

Record evidence of literacy suppression

Document artificial extension of program requirements

Gather testimony from students achieving competency early

B. File Borrower Defense Claims

Misrepresentation of educational value

Fraud in program length requirements

Breach of contract through substandard education

C. Assert AI Competency

Demonstrate mastery of subject matter through AI-assisted learning

Document ability to perform job functions without completing degree

Challenge requirement for formal completion

VI. THE ECONOMIC LIBERATION ANALYSIS Why Students Don't Owe Anything Financial Reality:

$1.7 trillion in student debt represents economic hostage situation

Colleges operating as debt factories rather...

Clackamas Community College very unethical in their practices. Especially the financial aid office. I have jumped through every hoop they asked me too. Two days before class was set to start and I was already awarded my Financial Aid. The Financial Aid department sends me an email about more income verification needed. The options on the form are you can provide tax transcripts which I don't have. Or If you "DID NOT file/were not required to file" you can use W-2's as proof of income. I turned in my W-2's after going through hell trying to get one of them. They accepted the documents and the form. The deadline to drop classes before being financially responsible was on the 6th of July. I got an email yesterday claiming they can only accept the tax transcript and not W-2's because I was required to file. The 25-26 V-5 verification form indicates that is a lie according to the options on their current form. So I called the Student Financial Aid government office. They informed me that I have already been awarded the financial aid and they do not require any more information from me. It is the school holding it up. Yet the Financial Aid Team keeps saying they can't process the loan. But the loan is already processed and and in my Student account. They will not release it. Because they think they work for the IRS and it is their job to enforce the government IRS tax laws. They completely disregard what their own V-5 verification form says. They refuse to read their own requirements on the form and completely disregard what it actually says. I will be pursuing legal actions for discrimination. Because this was all initiated by the school after my first physical meeting with a staff member. They have lied the whole time claiming it was the Government's requirements and they could not proceed. Even though the money was already awarded and in my account. The entire process has been a nightmare due to the unprofessional conduct by the office staff and counselors. They all act like their time is more important than yours and want to push you put of the way. I wish I started the process at...

The financial aid employees that work here in my experience have been patronizing. The first couple of times I thought nothing of it maybe it's just the way I'm asking my questions(or the fact that I have questions to ask) but not anymore, it's definitely them.I just went in again to ask a question I was directed to ask by my VOC Rehab counselor for information and now I believe they just suck at their job.

I attempted to ask a question and I say attempted to because every time I was explaining the necessary information to put the question in context she kept interrupting me with what I just said acting like I didn't understand what I just said. When I interrupted her telling her, "Yes, I understand that but let me finish my question" she got offended at me for interrupting her unnecessary interruption(people never like their own medicine..). Yes miss financial aid lady I understand ratios they are rather easy to understand. I don't need a lesson on ratios. What I did need was a question answered but before I could even finish my question your mind was made up you weren't going to listen. So what does the financial aid at CCC do when confronted with a question that requires a little bit of critical thinking? They pawn the question off to computers, "just look at you're email"..."just keep signing up for financial aid"... Yes that's all fine and dandy to say but not when a question requires a different answer and is answerable.

At first I was kinda sad when I realized that AI is going to take most jobs like hers replacing computers with people. Though, After dealing with the financial aid office at CCC I'm rather disappointed it hasn't happened already. Thanks for...