The following letter includes comments on the Notice of Proposed Rulemaking (NPRM) regarding borrower defenses to repayment that was published in the Federal Register on June 16, 2016 (Docket ID ED-2015-OPE-0103). This comment letter addresses recommendations related to the NPRM’s provisions on borrower defenses to repayment. Comments on the NPRM’s changes to current financial responsibility standards will be addressed in a separate letter.