Advocacy Memos/Issue Briefs

Memos/Issue Briefs

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November 15, 2023

Material Omissions Related to the Income-Driven Repayment Account Adjustment

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.

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Delivering Student Debt Relief Remains Popular Politics

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.

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January 27, 2023

Defaulted Borrowers Must Be Included in the Income-Driven Repayment Account Adjustment

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.

November 23, 2022

Historic Coalition of Attorneys, Advocates, and Experts Urge the U.S. Supreme Court to Stand with Borrowers, Halt Republican Officials’ Scheme to Block Student Debt Relief

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

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Borrower Voices on the Incomplete Promise of Relief through IDR: FFEL Borrowers and Forbearance Steering

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.

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Borrower Voices on the Incomplete Promise of Relief through IDR: Bankruptcy Forbearance

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.

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Borrower Voices on the Incomplete Promise of Relief through IDR: Deferments after 2013

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.

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Borrower Voices on the Incomplete Promise of Relief through IDR: Missing and Inaccurate Loan Payment Histories

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.

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Borrower Voices on the Incomplete Promise of Relief through IDR: Recertification

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

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Older Borrower Voices on the Incomplete Promise of Relief through IDR

This memo highlights how an Income-Driven Repayment (IDR) fix will only provide relief to older borrowers with decades-old loans if it provides credit towards relief for time in default, forbearance, and deferment.

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