Phoenix affiliate, "I'll give you this card if you sign this paper and fill out this form, its ok if you can't read, I'll help you through it."Homeless person, "Cool, done and done I'm hungry."Now he is enrolled, the affiliate get the commission, the homeless person gets a sandwich, and Phoenix gets 20k tuition from financial aid. The homeless guy doesn't have a computer or plan on attending or paying the loan back. It was a scam- pissed off the feds to no end, justly. They tightened or reemphasized their requirements after that so at least %70 of grads (or something like that, maybe its %80) has to be in repayment and not default. Don't you remember the scandal? It wasn't that long ago and a tea partier's wet dream. No one was trying to help anyone- just get money.