Borrower Defense to Repayment (DTR) Written by Joshua Cohen, June 24, 2020, Dischargability, Federal Student Loans, IBR, Podcasts, Repayment Plans, Student Loan Basics, Student Loan Legislation, VideoA detailed discussion of the Borrower Defense to Repayment (DTR). Whistleblower: Dept. Of Education Deliberately Thwarted Loan Forgiveness Process – Forbes