The inside scoop on the Rachel Yould case in Alaska

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CURRENT CASE: Rachel Yould, ALASKA

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Blogs

Daily blogs are supplied to that the public can be educated about the investigation, indictment, and trial of Rachel Yould case. In some cases, entire articles have been listed for ease of education of the reader,because news rolls off the web quickly. Links to the source have been provided. If an article appears and the organization supplying the article requests removal, an email request will be promptly honored.

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Maintained by: Valerie Harris, FORMER Case Manager/Technical Consultant for the Defense, People v. Susan Polk - courtroomblog@gmail.com

   
Contact
Information
Attorney
Advocate/Media

Mr. F. Richard Curtner, Attorney #8706013
Active Federal Public Defender's Office - Anchorage
601 W. 5th Ave. Ste 800
Anchorage, Alaska 99501-6307
United States

Phone: 907-646-3412
FAX: 907-646-3480
email: Rich_Curtner@fd.org


Valerie Harris
P. O. Box 1861
Mountain View, CA 94042
Phone: 650-969-8464
FAX: 650-969-3386
mailto:courtroomblog@gmail.com


URL: www.fd.org URL: www.courtroomblog.com
   
Documentation

Videos April 24, 2009 - President Obama talks about student loans; problems will Sallie Mae; help with student loans:

March 30, 2009 - KHNL video of churches that shelter domestic violence victims

   
In The News Press Coverage of the Rachel Yould Case from Around the World
 
Protesters say NJ court denies justice to women - NJJN

Participants allege ‘bias’ in decisions involving abuse

Women picket outside the family court building in Newark, demanding justice for women and children who allege abuse.

Women picket outside the family court building in Newark, demanding justice for women and children who allege abuse.

Photo by Robert Wiener

 

by Robert Wiener
NJJN Staff Writer

More than 100 women, many active in several local and national Jewish organizations, picketed outside the family courts in downtown Newark Monday, demanding that its judges give more equitable treatment to alleged victims of physical and mental abuse.

Organizers charged that male judges often side with their fellow men and tend to disbelieve women’s allegations that they and their children have been physically and sometimes sexually abused by former husbands.

“We are very concerned that custody is given to abusive parents, especially fathers who abuse their children. There are judges who are biased, and terrible things are happening. Women are not believed when they or their children are abused,” said Sylvia Steiner of West Orange, a principal organizer of the demonstration.

In an interview after the rally, Irene Weiser, executive director of a website called StopFamilyViolence.org, told NJ Jewish News that “New Jersey is no better or worse than other states” when it comes to judges’ gender bias.

Citing national studies, she said “there is a history of domestic violence involved in child custody disputes in a majority of high-conflict divorce cases….”

“When abusive men contest and fight for custody, too often they get it. Judges ignore evidence of family violence and sexual abuse, decide mothers are lying, and order children into the hands of an abuser. It defies all logic and any semblance of justice,” she said.

Weiser urged that independent panels be appointed to investigate abuse allegations to avoid judicial bias.

Gathering on Washington Street shortly after 11 a.m. and rallying through the lunch hour, the demonstrators chanted, “We demand justice for battered women and children.”

Among those at the rally was “Rebecca,” who did not wish to be identified because her case is still pending in family court.

She identified herself as a suburban Jewish woman with a professional career. She alleged that her ex-husband sexually abused their two children.

After a custody battle lasting three years, Rebecca said, she lost her home and most of her assets. She and her husband currently take turns caring for their two young girls.

“I have not been given a fair trial in family court,” she told NJJN. “I am trying to protect my daughters. I believed they were harmed. I am so scared of retaliation.

“I have invested every resource I’ve had and fought long and hard within the system. I do believe there was a lot of evidence in support of our allegations of abuse and violence, but it was swept under the rug.”

Many in the crowd said they had joined the rally to demand fair treatment for Rebecca and her children.

Shelli Brosh of West Orange, an organizer of Mothers for Legal Justice, told her sidewalk audience that the judge in Rebecca’s case denied an independent investigation of the child molestation charges, which were confirmed by six of seven experts who examined the children. The seventh said the evidence was inconclusive.

“Citizens of New Jersey have a right to demand higher standards for our judges,” Brosh said, “particularly when the lives of a mother and two little girls hang in the balance.”

Others who carried signs demanding greater justice for women and children told NJJN they had faced their own problems in family court.

“I’ve seen, as a school teacher, children who have suffered from the injustice of court decisions that are tearing them apart,” said Elaine Brown of Florham Park, a former director of education at Temple B’nai Jeshurun in Short Hills. “We should take a look at the justice system so that we can have a more impartial, unbiased system. The focus should be on what is best for the children without judicial bias” or reference to “money or influence.”

Following the rally, Superior Court assignment judge Patricia Costello told The Star-Ledger that family court judges are fair-minded people who make “tough decisions.”

“All judges are bound by the rules of evidence, and their rulings must be based on careful consideration and backed by detailed documentation,” she said. “All the while, the family court judge must remain dispassionate during proceedings that are often highly emotional.”

Comment: comments@njjewishnews.com

Friday
April 17, 2009

Judge will assign public defender in fraud case - Anchorage Daily News

enlarge
ERIK HILL / Anchorage Daily News /
Rachel Yould arrives at the Federal Building downtown with her husband, Brett, on Thursday afternoon, April 17, 2009. Rachel Yould faces charges on 10 counts of fraud.

RHODES SCHOLAR: Former Anchorage resident accused of illegally obtaining loans.

By MEGAN HOLLAND
mholland@adn.com

Published: April 16th, 2009 08:27 PM
Last Modified: April 17th, 2009 09:39 AM

The former Rhodes scholar accused of defrauding student loan companies of hundreds of thousands of dollars will get a free lawyer to defend her case.
U.S. Magistrate Judge Deborah Smith sided with Rachel Yould, 37, in a court proceeding on Thursday and agreed she did not have enough money to hire a private attorney.

Prosecutor Retta-Rae Randall unsuccessfully argued earlier this week that Yould, a former Fulbright scholar and Oxford University Ph.D. candidate, had plenty of money to afford her own attorney. She said Yould, who grew up in Anchorage, had hidden assets and was stashing money in an offshore account in Guernsey, off northwest France.

It was the first showdown in the bizarre case in which federal prosecutors say Yould is a fraud who used student loan companies like her own private money tree, while Yould says she's just a Ph.D. candidate, now a professor in Japan, a nerdy academic who took out a lot of loans to pay for an expensive education.

Yould faces 10 counts of fraud.

The case centers on Yould obtaining a second Social Security number. She got the number through a federal program for victims of domestic violence. The program allows victims to create a second identity to hide from stalkers and abusers. In Yould's case, the alleged abuser is her biological father.

On Tuesday, Judge Smith asked for details of that abuse to explain why Yould was still so scared that she has been switching safe houses every night since returning to the United States to face the charges.

But no details were offered Thursday. Yould agreed to month-long stays at temporary houses, and to always let the court know where she was. That satisfied the judge but denied those in court an explanation of what Yould claims drove her to create a second identity and leave the country.

Because her assets and financial portfolio go to the heart of her defense, Yould requested the Thursday court proceeding about whether she could afford a lawyer take place in private with just the judge. Even the prosecutor was asked to step outside while Smith talked to Yould and a temporary lawyer for about 20 minutes.

Federal prosecutors say Yould took out $680,000 in student loans to attend institutions like Stanford University and Oxford University. They say about $270,000 of that was obtained illegally from 2003 to 2006 -- it was not only above her lifetime maximum allotment for the subsidized student loans but it wasn't even used for education, they say. Instead, she used the money to boost her investment portfolio and start a business, they say.

Yould says she may not have been attending classes but she was a student working on her Ph.D., and everything was spent on education. She thought the money she obtained was legal and blames the Social Security program that gave her the second Social Security number for giving her bad advice.

Yould is scheduled for trial June 15.

Thursday
April 16, 2009

http://www.akd.uscourts.gov/pcal_nwda.htm

U.S. District Court for the District of Alaska

Court Calendar for Thursday, April 16, 2009

8:30 AM 3:08-CR-00132-TMB Judge Burgess ANCHORAGE COURTROOM 1

USA vs. JOHN EVAN BURNS

(Thomas C. Bradley) (Kevin T. Fitzgerald)

TRIAL BY JURY - DAY 4

8:30 AM 3:08-CR-00071-05-JWS Judge Sedwick ANCHORAGE COURTROOM 3

USA vs. LINDA RAE HARRIGAN

(Frank Russo) (Darryl Thompson)

(Thomas Bradley)

IMPOSITION OF SENTENCE

9:00 AM R3235469/AL14 Judge Oravec FAIRBANKS MJ COURTROOM

USA vs. PETER MATHEIS

(Joy Brosier, AUSA) (Pro Per)

TRIAL BY COURT

9:00 AM 3:08-CR-00117-RRB Judge Beistline ANCHORAGE COURTROOM 2

USA vs. WILLIAM ANTHONY WHITE, JR.

(Christine M. Thoreson) (Rich Curtner)

IMPOSITION OF SENTENCE

9:30 AM 1722989/AL12 MJ Roberts ANCHORAGE COURTROOM 6

USA vs. DESTINY BREELAND

(Capt. Jamie Saleh) (Pro Per)

TRIAL BY COURT

10:00 AM X00-00 Judge Oravec FAIRBANKS MJ COURTROOM

USA vs. DOCKETED DEFENDANTS

ARRAIGNMENTS ON U.S. DISTRICT COURT VIOLATION NOTICES

10:00 AM CVB DOCKET Judge Longenbaugh JUNEAU COURTROOM

UNITED STATES OF AMERICA vs. DOCKETED DEFENDANTS

ARRAIGNMENTS ON U.S. DISTRICT COURT VIOLATION NOTICES

11:00 AM 1723435/AL12 MJ Roberts ANCHORAGE COURTROOM 6

USA vs. CAROL M. MALIT

(Capt. Jamie Saleh) (Pro Per)

TRIAL BY COURT

11:00 AM 1723436/AL12 MJ Roberts ANCHORAGE COURTROOM 6

USA vs. CAROL M. MALIT

(Capt. Jamie Saleh) (Pro Per)

TRIAL BY COURT

1:00 PM 4:06-CR-00030-SAO Judge Oravec FAIRBANKS MJ COURTROOM

USA vs. ANNETTE GILBERT

(Stephan Cooper) (Jason Crawford)

EVIDENTIARY HEARING

1:30 PM F4341751/AL 1 MJ Roberts Anchorage Courtroom 6

USA vs. DAVID MOORE

(Oni Steward) (Pro Per)

TRIAL BY COURT

2:00 PM 3:09-CR-00025-JWS-DS MJ Smith ANCHORAGE COURTROOM 5

USA vs. RACHEL EYRE DENKLER YOULD

(Retta-Rae Randall) (SUMMONS)

STATUS OF COUNSEL/BAIL REVIEW HEARING

Wednesday
April 15, 2009
Scholar's past adds intrigue to student loan fraud trial - Anchorage Daily News

RHODES: She says 2nd identity was to keep stalking father in dark.


By MEGAN HOLLAND
mholland@adn.com

Published: April 14th, 2009 10:02 PM
Last Modified: April 14th, 2009 11:51 PM

She may be the most academically accomplished woman ever to sit in the defendant's chair in Anchorage federal court.

Rachel Yould, a former Fulbright and Rhodes Scholar, and Oxford University Ph.D. candidate, took that seat Tuesday morning with her family behind her and pleaded not guilty to ten counts of defrauding on her student loans.

In a courtroom where her supporters outnumbered her accusers, the 37-year-old former Bartlett High graduate and 1996 Miss Anchorage, listened to Magistrate Judge Deborah Smith read the indictment. Yould, who lives in Japan, has come home to answer the charges -- a woman who's worked with Mother Teresa in India and advocated for AIDS victims, accused of a bunch of felonies.

Each count of fraud carries a maximum of 20 years in prison, although Yould is unlikely to get the maximum if convicted because of her lack of a criminal record.

Both sides agree the case against Yould is complicated. Is she a criminal, like prosecutors say? Or is she a victim who's being re-victimized, as her defenders say?

According to the indictment, from 2003 to 2006, Yould used a second identity to apply for subsidized student loans, even though she had reached her lifetime limit. She then used some of that money to start a business and boost her investment portfolio, it says.

But Yould's friends and family say she created the second identity with government approval to hide from a stalker.

She didn't know the money obtained under the second identity was illegal. In fact, she was told it was legal. She blames the Social Security Administration program that gave her the new identity.

The man she is running away from is her biological father, who she says abused her when she was a child and raped her as an adult in 1992 when she was 21 years old, according to court documents in a 2002 petition she filed for a long-term restraining order.

In was in that same year, after years of allegedly escalating obscene phone calls and intimidation, that Yould applied for and received the new Social Security number, with the full knowledge and consent of the government. She had already changed her legal name and been issued a new birth certificate. The new Social Security number was the last part of making it harder for her father to find her.

The question asked by Yould's supporters is: Would a woman with Yould's education go through so much trouble and risk to get a cheaper student loan?

Valerie Harris, a California-based advocate against domestic violence speaking on behalf of the Yould family, doesn't think so. Harris thinks Yould has gotten caught in a bizarre bureaucratic tangle.

Yould, who now teaches at a university in Japan, was repaying the loans when an investigation began several years ago. It is not clear what prompted the probe.

She defaulted four days before the indictment was handed down, Harris said in an interview after Tuesday's court proceeding.

Yould defaulted because her payments quadrupled to $13,000 a month after one loan company, Sallie Mae, suddenly put her on an accelerated payment plan she couldn't really afford but complied with for several years, according to Harris.

The state had cleared Yould of any wrongdoing in its investigation a couple of years earlier, according to Harris. The state would neither confirm nor deny this.

On Tuesday, federal prosecutors immediately attacked Yould's credibility by raising questions about whether she really needs a public defender. Prosecutor Retta-Rae Randall said Yould is hiding money and assets and is not eligible for a free lawyer.

Federal white collar crimes, especially financial ones, can be very expensive to defend.

Randall said Yould and her husband claimed a net worth of $1.7 million several years ago, and that both have reported significant incomes in recent years.

Harris said Yould and her husband, Brett Yould, have exhausted their assets paying the $13,000 a month for several years. They've taken out a second mortgage on their home, and both their parents have liquidated their retirement accounts, sold property and refinanced their homes, in efforts to continue meeting the increased payments required by Sallie Mae.

Smith, the judge, ordered Yould and prosecutors to come back Thursday with evidence.

Yould remains free, but Smith wants information supporting her assertion that she can't live at a fixed address while in Alaska because of fear of her father. Yould said she spends every night at a different location.

"I've never had someone not in custody where the court wouldn't know where the person is staying," Smith said.

Smith wants to know about what happened between Yould and her father and why Yould is still in fear of her life. She questioned if Yould really needs to hide. "She's had a very public career," Smith said. "If you Google her, she's right there."


+++++++++++++++++++++++++++++++++++++++++++++++

Stimulus money will be used to curb domestic violence - Anchorage Daily News

The Associated Press

Published: April 15th, 2009 09:14 PM
Last Modified: April 15th, 2009 09:14 PM

JUNEAU -- Juneau will use federal stimulus money to help the police department address the problem of domestic violence.

The Juneau Assembly has approved using $147,543 to fund a crisis intervention program for domestic violence and family-related crimes.

The four-year grant is provided through the U.S. Department of Justice under the American Recovery and Reinvestment Act of 2009.

The police department proposes using the funds to hire a crisis intervention specialist.

Tuesday
April 14, 2009
Arraignment - http://www.akd.uscourts.gov/pcal_nwda.htm

U.S. District Court for the District of Alaska

Court Calendar for Tuesday, April 14, 2009

9:00 AM 3:08-CR-00132-TMB Judge Burgess ANCHORAGE COURTROOM 1

USA vs. JOHN EVANS BURNS

(Crandon Randell) (Kevin T. Fitzgerald)

(Thomas C. Bradley)

TRIAL BY JURY - DAY 2

10:00 AM 3:09-CR-00025-JWS-DS MJ Smith Anchorage Courtroom 5

USA vs. RACHEL EYRE DENKLER YOULD

(Retta-Rae Randall) (SUMMONS)

ARRAIGNMENT ON INDICTMENT

3:00 PM 3:09-CR-00018-RRB-JDR MJ Roberts Anchorage Courtroom 6

USA vs. MICHAEL MCLOONE

(Kelly A. Cavanaugh)

ARRAIGNMENT ON INDICTMENT


Monday
March 30, 2009
State help sought for churches that shelter domestic violence victims - KHNL TV

March 30, 2009 09:03 PM PDT
March 31, 2009 12:36 AM PDT

Esther De Francia
Esther De Francia
Philip Mark
Philip Mark
Don Asman
Don Asman
Keep up with KHNL

By Mari-Ela David - bio | email

HONOLULU (KHNL) - Royal Kaukani's loved ones took their fight against domestic violence to the capitol on Monday,
hoping to prevent other women from losing their lives to abuse.

That has sparked a fresh movement to possibly turn churches into safe havens for victims.

It's a vicious cycle that, loved ones say, cost their baby sister's life.

"We are children of domestic abuse. Apparently, it just, she just thought it was normal. And it was something that could be fixed because my parents are still married," said Kaukani's oldest sister, Esther De Francia.

Kaukani of Ewa was brutally shot to death two weeks ago, allegedly by her ex-boyfriend. It's a fate one domestic violence survivor who showed up at the Capitol fears. KHNL has concealed her identity to protect her from her ex-husband.

"He has called, he's threatened to kill my child, me, my current husband. It came down to me changing my name, and social security number," she said.

Lawmakers are now turning to faith-based organizations for help, to possibly have churches serve as sanctuaries for victims. At United Church of Christ in Nuuanu, classrooms are already used to house the homeless, for a week at a time. Extending it to victims of domestic violence is an idea the pastors there support.

"It's likely that the non-profit folks will be seen as folks with less bureaucratic rules and regulations so the access to immediate services and relevant services are right there," said Senior Pastor Philip Mark.

"We know the people we can call, whether it might be Catholic social services, or child welfare, adult protective services," said Associate Pastor Don Asman.

Services that domestic violence victims say need to be more accessible to prevent any more losses of life.

Victims who spoke out at the Human Services Committee briefing on Tuesday say the system has flaws and in some cases allegedly failed to protect them.

That sparked the idea of using churches as safe havens.

Non-profit Catholic Charities says it supports it, as long as faith communities get proper training on how to respond to domestic cases.

Sunday
April 12, 2009

Plan to Change Student Lending Sets Up a Fight - New York Times

By DAVID M. HERSZENHORN
Jonathan D. Glater contributed reporting.
Published: April 12, 2009

WASHINGTON — The private student lending industry and its allies in Congress are maneuvering to thwart a plan by President Obama to end a subsidized loan program and redirect billions of dollars in bank profits to scholarships for needy students.

The plan is the main money-saving component of Mr. Obama’s education agenda, which includes a sweeping overhaul of financial aid programs. The Congressional Budget Office says replacing subsidized loans made by private banks with direct government lending would save $94 billion over the next decade, money that Mr. Obama would use to expand Pell grants for the poorest students.

But the proposal has ignited one of the most fractious policy fights this year.

Because it would make spending on Pell grants mandatory, limiting Congressional control, powerful appropriators are balking at it. Republicans say the plan is proof that Mr. Obama is trying to vastly expand government. Democrats are divided, with lawmakers from districts where lenders are big employers already drawing battle lines.

At the same time, the private loan industry, which would have collapsed without a government rescue last year, has begun lobbying aggressively to save a program that has generated giant profits with very little risk.

“The administration has decided that it wants to capture the profits of federal student loans,” said Kevin Bruns, executive director of America’s Student Loan Providers, a trade group that is fighting Mr. Obama’s plan.

To press its case, the nation’s largest student lender, Sallie Mae, has hired two prominent lobbyists, Tony Podesta, whose brother, John, led the Obama transition, and Jamie S. Gorelick, a former deputy attorney general in the Clinton administration.

For lenders, the stakes are huge. Just last week, Sallie Mae reported that despite losing $213 million in 2008, it paid its chief executive more than $4.6 million in cash and stock and its vice chairman more than $13.2 million in cash and stock, including the use of a company plane. The company, which did not receive money under the $700 billion financial system bailout and is not subject to pay restrictions, also disbursed cash bonuses of up to $600,000 to other executives.

Sallie Mae said that executive compensation was lower in 2008 than 2007 and that the stock awards were worthless in the current market.

Critics of the subsidized loan system, called the Federal Family Education Loan Program, say private lenders have collected hefty fees for decades on loans that are risk-free because the government guarantees repayment up to 97 percent. With the government directly or indirectly financing virtually all federal student loans because of the financial crisis, the critics say there is no reason to continue a program that was intended to inject private capital into the education lending system.

Under the subsidized loan program, the government pays lenders like Citigroup, Bank of America and Sallie Mae, with both the subsidy and the maximum interest rate for borrowers set by Congress. Students are steered to the government’s direct program or to outside lenders, depending on their school’s preference.

Private lenders say they still provide valuable service, marketing, customer relations, billing, default prevention and collection of delinquent loans. The lenders say the budget savings could be achieved without ending their role and are pushing to keep the system in place, including an arrangement approved by Congress last year by which they are paid to originate loans but can resell them to the government.

Martha Holler, a spokeswoman for Sallie Mae, said the company wanted a compromise. “To be clear, there are those who are fighting to preserve the historic financing structure for federal student loans,” she wrote in an e-mail message following up on a telephone interview. “Sallie Mae is not among them. In fact, we support constructive alternatives that would generate a similar level of taxpayer savings to achieve the administration’s important goals.”

Lenders are also emphasizing the jobs they provide.

Sallie Mae’s chief executive, Albert L. Lord, held a town-hall-style meeting last week at the company’s loan center in Wilkes-Barre, Pa., with two Democrats, Senator Bob Casey and Representative Paul E. Kanjorski, to announce the return of 2,000 jobs that were sent overseas in 2007.

Mr. Lord, in his opening speech, insisted that Mr. Obama’s proposal offered new opportunities, but he said he would fight to keep the current system mostly intact.

“We can either meet or beat the budget savings that are in the president’s budget with the exact same system that we have got working now with maybe a few tweaks,” he said.

But to preserve a profitable role for private lenders and still achieve Mr. Obama’s savings seems extremely difficult if not impossible; initial projections put forward by Sallie Mae could reach only 82 percent of the president’s goal over five years.

Last year, to keep education financing from drying up, Congress expanded the government’s role, including the repurchase of loans, which Sallie Mae and some other lenders say should be mandatory going forward.

“When you add that all up, a very legitimate question to ask is why do we even need private lenders,” said Representative Timothy H. Bishop, Democrat of New York and a former provost of Southampton College.

For Mr. Bishop and many other education advocates, Mr. Obama’s plan to expand the existing direct loan program used by more than 1,500 schools is obvious and long overdue.

But the administration has a fight on its hands.

“The president’s proposal,” Representative Allen Boyd, Democrat of Florida, said in a floor speech, “could be detrimental to thousands of employees who serve in the current student loan industry throughout this country, 650 of which are located in Panama City, Florida.”

In some states, student loans are administered by quasi-governmental agencies that benefit the same as private lenders. To appeal to these states, the administration has proposed $500 million a year for financial literacy programs and other services the agencies provide.

Political opposition may be harder to overcome.

Representative Howard P. McKeon of California, the senior Republican on the education committee, said Democrats should not cut out lenders. “A government-run, one-size-fits-all program is not the answer,” he said.

But some lawmakers have no sympathy for an industry now kept afloat by taxpayers.

“If the banks complain that they are getting cut out,” said Representative Barney Frank, Democrat of Massachusetts, “too bad.”

At the Wilkes-Barre event, Mr. Lord of Sallie Mae acknowledged his industry’s reliance on the government. “I don’t see private capital financing student loans, certainly any time soon,” he said.

Even as lenders fight the president’s plan, Sallie Mae and others are bidding for work that will remain if it is adopted — contracts for loan servicing and other back office operations.

The president’s plan would use the money from direct lending to help increase Pell grants and make them mandatory, with annual increases tied to inflation, providing a much-needed measure of certainty for students. That would limit Congressional control over the grants, an idea appropriators are not keen on, but the White House and Congressional leaders say they are open to negotiation.

Anticipating a ferocious legislative battle, Representative George Miller, Democrat of California and chairman of the education committee, is weighing all options.

“Chairman Miller’s priority is to make our federal student loan programs as reliable, sustainable and efficient as possible for students, families and taxpayers,” his spokeswoman, Rachel Racusen, said.

Sunday
March 08, 2009

Former Rhodes scholar indicted on 10 counts of fraud
Woman accused of using second identity to get student loans

Story last updated at 3/8/2009 - 10:41 am

THE ASSOCIATED PRESS

ANCHORAGE - A former Rhodes scholar has been indicted by a federal grand jury on 10 counts of fraud.

The indictment returned Thursday accuses 37-year-old Rachel Yould, a former Miss Anchorage now living in Tokyo, of using another identity to get a second set of student loans, which were used to fund an investment account and private business.

"The U.S. Attorney's office takes very seriously the crime of engaging in a scheme to defraud the institutions that are designed to provide loans for educational purposes," assistant U.S. Attorney Kevin Feldis said.

The government claims Yould got a second Social Security number in 2003 under a program designed for victims of domestic violence and harassment. The indictment claims she used her name and her maiden name, Rachel Hall, to get the student loans from the Alaska Commission on Postsecondary Education, the Stafford loan program and private loans from Sallie Mae Corp.

Her mother-in-law, Sherrie Yould, told the Anchorage Daily News, that Rachel created the second identity to protect herself and believed she was following the rules of the Social Security Administration.

According to prosecutors, she used the name Hall to co-sign for student loans for Yould without informing lenders that the two Social Security numbers belonged to the same person. She's also accused of misrepresenting to Oxford University the types of loans it was certifying, and falsifying her income to lenders.

Yould's mother-in-law said the real story is far more complicated.

Sherrie Yould said Rachel Yould created the second identity because she was stalked and in danger.

"There was nothing to do but to go into hiding," Sherrie Yould said.

Court records show Yould sought a restraining order in 2002.

According to the indictment, Yould moved to Japan in 2001 to do research toward her doctorate.

She was told the same year she had reached her lifetime borrowing limit of state-subsidized student loans. The indictment says she maxed out the Stafford loans the next year, and claims that's when she created the new identity and began applying for loans under that name.

The indictment says she continued to apply for money until 2006, and didn't inform lenders she was no longer a student.

Thursday
March 05, 2009

Anchorage Rhodes scholar charged with fraud

By MEGAN HOLLAND
mholland@adn.com

Published: March 5th, 2009 04:52 PM
Last Modified: March 6th, 2009 10:33 AM

She's a Fulbright and Rhodes scholar who spent four years at Oxford, has a Ph.D., is a former Miss Anchorage, worked with Mother Teresa and was named by Glamour magazine as one of the most notable college students in America.

On Thursday, a federal grand jury indicted her on 10 counts of fraud.

Investigators say Rachel Yould, 37, created a second identity to get two sets of student loans, using one of them to invest in a Smith Barney account and a private business.

But people who know the accused woman say she created a second identity to hide from a man who was abusing her and the bureaucratic complexities of doing that left her in a bizarre position.

A Bartlett High graduate, Yould now lives in Japan and appears, from a university Web site, to be a professor of media and government at Keio University.

"The U.S. Attorney's office takes very seriously the crime of engaging in a scheme to defraud the institutions that are designed to provide loans for educational purposes," said assistant U.S. Attorney Kevin Feldis .

Prosecutors say in 2003, Yould obtained a second Social Security number under a special regulation of the Social Security Administration for victims of domestic violence and harassment. She then used the names Rachel Yould, her maiden name, and Rachel Yould and the two different Social Security numbers to obtain student loans from the Alaska Commission on Postsecondary Education, the Stafford loan program, and private loans from Sallie Mae Corp.
She used the name Hall to co-sign for student loans for Yould, and didn't notify the lenders that the two Social Security numbers belonged to the same person, prosecutors say.

She also is accused of falsifying her income to the lenders and misrepresenting to Oxford University the types of loans it was certifying.

But Yould's mother-in-law, Sherrie Yould, in a phone interview late Thursday, said the real story is far more complicated. Rachel Yould was stalked and in danger, she said.

She created a second identity to protect herself. "There was nothing to do but to go into hiding."

Valerie Harris, a friend of Yould's, said Yould changed her last name, got a new Social Security number and moved to Japan to hide. Harris said with the new identity Yould had no credit history and was running into hurdles. She called the Social Security Administration, got advice from there, and did what they told her to do, Harris said.

"The real kicker here is, there is no paper trail," Harris said. She said Yould has been paying off her student loan. "This girl's been a model citizen."

Alaska court records confirm that Yould sought a restraining order against a man named Robert Hall in 2002.

According to previous media reports, Yould was an acclaimed academic star. After graduating from Bartlett in 1990, she went on to U.C. Davis, Stanford University and then Oxford University in 1997. She told a reporter at the time that she wrote a book of poetry at 17, had worked with Mother Teresa in Calcutta helping AIDS patients and was honored by the U.S. Congress with a Congressional Gold Award.

Her employment has included interning at the White House and working for the U.S. Department of Defense, according to her resume posted online. She was Miss Anchorage in 1996.

According to the indictment, Yould moved to Japan in 2001 to do research toward her Ph.D. That year, she was told she had maxed out her lifetime borrowing limit of state-subsidized student loans, which was $60,000. In 2003, she maxed out her subsidized Stafford loans at $65,500. That's when she got a new Social Security number and started applying for loans under that name.

Prosecutors say she provided fraudulent documents and statements to lenders, and did not inform lenders when she was no longer a student.

The scheme started in 2003, and Yould continued to apply for money until 2006, according to the indictment.

Feldis said he didn't know if efforts will be made to extradite Yould from Japan should she choose not to return willingly to face the charges.

Find Megan Holland online at adn.com/contact/mholland or call 257-4343.

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DOJ Press Release

NEWS RELEASE
KAREN L. LOEFFLER
UNITED STATES ATTORNEY
DISTRICT OF ALASKA

Federal Building & U.S. Courthouse • 222 W. 7th Avenue • Room 253 • Anchorage, AK 99513 • (907) 271-5071
FOR IMMEDIATE RELEASE Thursday, March 5, 2009

FORMER OXFORD STUDENT INDICTED FOR STUDENT LOAN FRAUD

Anchorage, Alaska – United States Attorney Karen L. Loeffler announced today, March 5, 2009, that Rachel Denkler Yould (aka Rachel Eyre Hall), formerly of Anchorage, Alaska, but presently living in Kanagawa-ken, Japan, was indicted by a federal grand jury in Anchorage on ten counts of mail and wire fraud.

The ten-count indictment named Yould, age 37, as the sole defendant.

According to the indictment, Rachel Hall is the maiden name of Rachel Yould. In 2003, Yould obtained a new social security number under a special regulation of the Social Security Administration (SSA) for victims of domestic violence and harassment. The indictment alleges that Yould used the names of Rachel Hall and Rachel Yould to obtain student loans from the Alaska Commission on Postsecondary Education, the Stafford loan program, and private loans from Sallie Mae Corporation, which exceeded the lifetime maximum limit allowed for any one person. Contrary to the regulatory purpose of the SSA program, she used the name Hall to co-sign for student loans in the name Yould and applied for student loans using social security numbers for both names without notifying the lenders that the names belonged to the same person. She also provided false statements of income to lenders and misrepresented to Oxford University the types of loans it was certifying. In addition, Yould used the student loan funds for non-educational purposes, which included investing in a Smith Barney Investment Account and investing in a for-profit business known as Oxford International Review Management Services.

Assistant United States Attorney Retta Randall, who presented the case to the grand jury, indicated that the law provides for a maximum total sentence of 20 years in prison, a fine of $ 250,000, or both. Under the Federal Sentencing Guidelines, the actual sentence imposed will be based upon the seriousness of the offenses and the prior criminal history, if any, of the defendant.
The U.S. Postal Inspection Service and the U.S. Department of Education, Office of Inspector General, conducted the investigation leading to the indictment in this case.

An indictment is only a charge and is not evidence of guilt. A defendant is presumed innocent and is entitled to a fair trial at which the government must prove guilt beyond a reasonable doubt.
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Acronyms
ACPE Alaska Commission on Postsecondary Education - http://alaskadvantage.state.ak.us/
(State government agency which disburses Alaska state student loans)
AUSA Assistant United States Attorney
   
DV Domestic Violence
   
   
SSA Social Security Administration
SSN Social Security Number
   
   

   
   
 
 
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