Actually, that's not right. Even where the statute of limitation time period for a federal claim is borrowed from state law, when the claim accrues is still a matter of federal law. And when applying the discovery rule in federal court, it is the date of injury that matters for when the clock starts to run. In the Kentucky federal district court case I cited earlier involving another disabled student that sued his university for not providing reasonable accommodation, the court said this:
Under federal law, "[t]he statute of limitations commences to run when the plaintiff knows or has reason to know of the injury which is the basis of his action." Sevier v. Turner, 742 F.2d 262, 273 (6th Cir. 1984); see also Rotella v. Wood, 528 U.S. 549, 555 (2000) ("But in applying a discovery accrual rule, we have been at pains to explain that discovery of the injury, not discovery of the other elements of a claim, is what starts the clock."). The plaintiff has reason to know of his injury "when he should have discovered it through the exercise of reasonable diligence." Sevier, 742 F.2d at 273.
Taking all reasonable inferences in favor of Cobble, he had reason to know of his injuries—that Spalding University failed to accommodate his disabilities and that he was consequently dismissed from the Ed.D Leadership—by January 2015. As described in the complaint, he was denied accommodations for his two courses in the fall of 2014, and he was dismissed from the program in January 2015. Compl. ¶¶ 17–18, ECF No. 1. Therefore, the one-year statute of limitations for his claims based on these two events began to run in January 2015 and expired in January 2016, several months before Cobble filed suit against Spalding University.
Cobble v. Spalding Univ., No. 3:16-CV-00525-CRS, 2017 WL 382245, at *3 (W.D. Ky. Jan. 26, 2017), appeal dismissed, No. 17-5238, 2017 WL 3753975 (6th Cir. June 20, 2017).
The problem I see for the OP is that his injury was not the denial of the degree. It was the apparent failing grade given on the exam he took in which he was denied the reasonable accommodation. He presumably knew or should have known the exam grade shortly after the exam, if not immediately after the exam. And from that he should have known he might not get the degree, too.
It's not clear what the OP means when he says that the college:
How did the school pretend to give the OP a degree nearly 3 years ago? And how is it that the OP did not at the time verify that he had the degree? It certainly would have been important for him to verify that degree, and he was on notice there might have been a problem with that. So absent something here where the school actually mislead him, I think he'd have trouble asserting that he could not have discovered the problem before the SOL expired and certainly could have discovered it before now, two years after it expired. Still, he should see an attorney who litigates RA claims, lay out all the facts, and see if an argument can be made that the SOL is still open due to the discovery rule. I'm not seeing it, but then I've not reviewed everything involved here in detail.