Memos/Issue Briefs

This report is the result of an investigation that reveals potentially harmful business practices and possible fair lending risks by Stride Funding, an education finance firm that originates and markets Income Share Agreements (ISAs).

In a memo, the SPBC highlights how ISA companies are unlawfully depriving students of the ability to protect themselves from fraud by leaving out of their ISA contracts language required under the Federal Trade Commission’s (FTC) “Holder Rule.”

This issue brief highlights newly public data obtained by NCLC from the Department of Education showing that only 32 borrowers have ever qualified for debt cancellation through the federal government’s IDR program, even as approximately 2 million borrowers remain trapped in decades-old debts.

This issue brief examines how debt owed by students directly to schools presents unique challenges, and how Washington can provide relief to students and borrowers burdened by these debts as part of the overall higher education response to COVID.

This issue brief details how for-profit schools work with third-party companies to skirt accountability requirements designed to protect borrowers who attended schools with high default rates.

In an issue brief, the SBPC, U.S. PIRG, and Consumer Action outline key steps the CFPB can take to expand and enhance its complaint tool, including the agency’s public complaint database.

In a memo, the SBPC, explains why servicers should automatically implement payment relief and protections for distressed borrowers across their entire loan portfolios in response to the coronavirus pandemic.

In an issue brief, the SBPC, outlines the gaps in knowledge of the private student loan market, the harms those gaps induce, and the specific steps that the CFPB needs to take to address them.

In an issue brief, the SBPC shows how private student loan collection practices are harming borrowers across the country — with a spotlight on Maryland borrowers.