Skip to main content

Helping Students Harmed By Predatory Schools: Overview of Rights and Options


Speaker(s): Harry Shulman, Juliana Fredman, Megumi Tsutsui, Noah Zinner
Recorded on: Oct. 17, 2016
PLI Program #: 193377

Noah Zinner is a Managing Attorney at HERA and a graduate of Berkeley Law School. He joined HERA in 2006 as an Equal Justice Works Fellow and staff attorney with a focus on representing low and moderate income consumers on predatory mortgage lending and foreclosure prevention. 

Noah's work during the Wall Street-driven mortgage collapse and recession included class and individual litigation against major financial institutions and debt collectors for a wide variety of abuses against homeowners. From 2012-2013, Noah was a Visiting Clinical Professor at the UC Irvine School of Law, where he also worked with the California Monitor for the National Mortgage Settlement.

Mr. Zinner oversees all of HERA's non-mortgage financial justice legal work into many additional areas of consumer concerns, including predatory for-profit schools, student and medical debt, and abusive auto and small dollar loans. Noah engages in litigation and supervises staff in litigation, as well as supporting on office operations. In 2016, Noah was selected as a negotiator on behalf of national legal services organizations representing students in the Department of Education's federal rulemaking on federal student debt relief. Mr. Zinner also brings extensive litigation experience and expertise on mortgages and foreclosure related concerns.


Harry Shulman is an experienced consumer attorney in San Francisco.  He learned the trade in 15 years at Holland & Hart in Colorado, where he was a partner for eight years and led the litigation practice in one of the firm’s branch offices.  He moved to California in 2000, where he began focusing on consumer class actions.  He has participated in, and led, many class actions since then including Klussman v. Cross Country Bank (class action against predatory credit card lender), Boltz v. Buena Vista Home Entertainment (class action against DVD manufacturers for DVDs without closed captioning), and Amador v. California Culinary Academy (class action against Le Cordon Bleu culinary school).

Harry formed Shulman Law in 2010, where he now focuses on litigation and arbitration against for-profit schools.  He has successfully arbitrated and litigated cases against UEI schools, Kaplan schools, Art Institute schools, and other miscellaneous schools since then.  He is a graduate of Dartmouth College (1980, cum laude) and University of Virginia Law School (J.D. 1985).  He is admitted in California and Colorado, the federal district and circuit courts in those states, and pro hac vice in many jurisdictions.


Juliana Fredman is a staff attorney in the consumer unit at Bay Area Legal Aid (BayLegal). Ms. Fredman represents low income people in cases related to student loans, debt collection, foreclosure, unfair business practices, bankruptcy and a variety of other services. She advocates for clients in both affirmative and defensive capacity in a wide range of consumer matters with an emphasis on students harmed by proprietary colleges.  BayLegal has assisted scores of students both in applications to discharge federal student loans and defending lawsuits to collect private student loan. Following the closure of the Corinthian Colleges Ms. Fredman, along  with partner organizations,  arranged for numerous clinics throughout the Bay Area to assist former students. She is currently an adjunct professor at Hastings College of the Law where she co-teaches a course on consumer protection. Ms. Fredman is a 2011 graduate, cum laude, of UC Hastings College of the Law, Public Interest Concentration and holds an LL.M., with distinction, in Human Rights Law from Queens University in Belfast, Northern Ireland.


Megumi Tsutsui joined HERA in 2014 as an Equal Justice Works Fellow. As an Attorney with HERA, Megumi is focused on eliminating barriers to affordable credit. This includes helping individuals resolve issues with abusive or bad debt, high-cost loans, and problems with credit reports.  In the past year, much of Megumi’s work has focused on counseling students of closed schools and predatory for-profit schools and students struggling with unaffordable student loans.