http://talk.collegeconfidential.com/college-search-selection/1693759-advice-please.html#latest
So you attended a for-profit college in the fall of 2014 and owe $15k. Since this exceeds the federal loan limit for freshmen, did your parents co-sign private loans that you received from ECPI?
https://en.wikipedia.org/wiki/ECPI_University
http://www.onlinedegreereviews.org/college/ecpi-university-reviews/