Memos/Issue Briefs

This memo details the authorities held by federal and state consumer protection agencies that can be used to address student loan servicers that are blocking millions of federal student loan borrowers from receiving debt cancellation granted by Congress.

Using popular polling and analysis, this memo makes the political case for action in the face of the unjust ruling blocking the President’s plan to use emergency powers to cancel student debt.

This memo urges the U.S. Department of Education (ED) to reconsider its exclusion of periods of time in default from the one-time Income-Driven Repayment (IDR) Account Adjustment, which ED announced as a remedy for borrowers who have been steered into forbearance or otherwise knocked off course from IDR cancellation.

Series of amicus curiae briefs show that student debt relief is lawful and urgently needed to address the effects of the COVID-19 pandemic

The following memorandum provides a brief overview of the narrative in the wake of this historic election and offers a first look at new polling affirming that student debt motivated and mobilized voters to the polls. 

This memo examines how the U.S. Department of Education’s efforts to remedy the failures of Income-Driven Repayment (IDR) could and should ensure that Federal Family Education Loan (FFEL) borrowers get the full benefit of the adjustment.

This memo explores how to fully remedy the administrative failures and servicer misconduct around Income-Driven Repayment (IDR), the federal government must include borrower time in bankruptcy forbearance.

This memo addresses how the federal government’s proposal for remedying the failures of Income-Driven Repayment (IDR) only partially addresses borrower struggles with being steered into deferment before and after 2013.

This memo details how the Administration's remedy to the failures of Income-Driven Repayment (IDR)—an IDR Account Adjustment—is predicated on the myth that borrowers have full and accurate payment history records.

This memo lays out how unwieldy Income-Driven Repayment (IDR) requirements such as annual recertification contribute to blocking borrowers from accessing relief.