University withholding transcript

[dfrecore]

But, if you don't tell the new school that you attended the previous one, how would they know to look for that transcript?  I've gone to lots of schools, and when I applied to WGU, I totally forgot about one of the schools that I attended for a semester and nothing negative happened because of it.  They also let me start without getting a transcript from one of the schools, because it wouldn't have made a difference on the transfer since I already had similar credits for electives from other sources.  I've found that the "require all transcripts" rule isn't always 100%, there are ways around it.

On a personal note, I should find that template that one of the users on this forum made for an unofficial master transcript so I can actually keep track of all of the schools I've attended and I don't forget something the next time I have to send all of my transcripts somewhere.

WGU may not have checked before they let you begin your degree program, but that doesn't mean they won't check before they let you graduate and issue your transcripts.

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Also, if it's a federally backed student loan (rather than a private student loan), you probably can't negotiate a lower payback. They are guaranteed to be paid back the full amount, so there's no incentive for them to let you pay less. Also, the federal government will eventually come after you, and they have unlimited power to take your money (take a tax refund, levy your bank accounts, or garnish your paychecks).