when is the right time to apply for Borrower’s Defense or talk to an academic lawyer?

im graduating grad school at the end of September and i want to apply for borrower's defense because the only reason i stayed at my school after they tricked* me into enrolling is bc i was earning dual degrees, and they didnt disclose that one of the degrees wasnt accredited

i have a 6 month grace period after i graduate. is it best to wait until i have my diploma to talk to a lawyer or should i start now? if my school finds out im doing this they will 100% retaliate so i have to avoid that at all costs, but i figure sooner is better that later

*by tricked, i mean they told me i have to enroll into an 80k program but then could eventually switch to the 50k program i wanted to be in when it opened for enrollment. it never opened so i got trapped in the 80k program, i could have transferred schools but decided not to since i was getting dual degrees, one of which turned out to not be accredited. so now i feel decieved and feel i might qualify for BD. turns out this is a tactic the've used against many students to get them to enroll then trap them in the more expensive program