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NELSON v. GREAT LAKES EDUCATIONAL LOAN SERVICES

No. 18-1531.

928 F.3d 639 (2019)

Nicole D. NELSON, Plaintiff-Appellant, v. GREAT LAKES EDUCATIONAL LOAN SERVICES, INC., et al., Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

Decided June 27, 2019.

Attorney(s) appearing for the Case

Brandon Michael Wise , Attorney, PEIFFER, ROSCA, WOLF, ABDULLAH, CARR & KANE, St. Louis, MO, Daniel Aaron Zibel , Attorney, NATIONAL STUDENT LEGAL DEFENSE NETWORK, Washington, DC, Martha Upton Fulford , Attorney, Denver, CO, for Plaintiff-Appellant.

Richard Benenson , David Brandon Meschke , Christopher Owen Murray , Attorneys, BROWNSTEIN, HYATT, FABER & SCHRECK, LLP, Denver, CO, Abby L. Risner , Attorney, John C. Drake , GREENSFELDER, HEMKER & GALE, P.C., St. Louis, MO, Rebecca Rapp , Attorney, GREAT LAKES HIGHER EDUCATION CORPORATION, Madison, WI, for Defendant-Appellee GREAT LAKES EDUCATIONAL LOAN SERVICES, INC.

Abby L. Risner , Attorney, John C. Drake , GREENSFELDER, HEMKER & GALE, P.C., St. Louis, MO, for Defendant-Appellee JOHN DOE, 1-10.

Tara A. Twomey , Attorney, NATIONAL CONSUMER LAW CENTER, Boston, MA, for Amicus Curiae NATIONAL CONSUMER LAW CENTER, INCORPORATED.

Brett E. Legner , Attorney, MAYER BROWN LLP, Chicago, IL, for Amicus Curiae ILLINOIS ATTORNEY GENERAL.

William R. Corbett , Attorney, CENTER FOR RESPONSIBLE LENDING, Durham, NC, for Amici Curiae CENTER FOR RESPONSIBLE LENDING, UNITED STATES PUBLIC INTEREST GROUP EDUCATION FUND, INC.

Before Kanne, Hamilton, and St. Eve, Circuit Judges.

Like many students, plaintiff Nicole Nelson borrowed money to pay for her education. Defendant Great Lakes Educational Loan Services, Inc. services repayment of her federally insured loans. On its website, Great Lakes offered to provide guidance to borrowers struggling to make their loan payments. It told borrowers: "Our...

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