Domino: A Blog About Student Debt

We conducted a rapid analysis of President Biden’s executive order to cancel student debt.

A visual timeline of Biden's student debt action and its impacts

Based on a review of various income share agreement structures and research on the workings of the ISA industry, we argue that, rather than a progressive alternative to student loans, ISAs are better characterized as reflecting a process of predatory inclusion.

The Biden Administration must extend and coordinate the timelines of the PSLF Waiver and IDR Account Adjustment to ensure that all borrowers can access the promise of affordable and manageable student loan repayment.

The PSLF waiver has been a phenomenal success—and it may just be getting started in delivering its powerful benefits. The Biden Administration should take the commonsense step of preventing it from expiring.

In a new paper, we analyzed hundreds of contracts between colleges and online program managers. What our analysis revealed about the risks OPMs might pose to students and the powers schools are handing over to private contractors is concerning.

Less than a year after passing the Student Loan Equity Act, Colorado’s nation-leading work to shed light on shadow student debt reveals key risks.

Given problems at 2U, ED needs to lay the groundwork now to ensure that student loan borrowers have a clear path to relief if an OPM folds or suddenly changes its offerings due to problems at the corporate level—and it needs to make students and the public aware of those...

We sent a letter to the CFPB calling on the agency to step in and protect students from predatory conduct by OPMs—something ED has proven unable or unwilling to do for more than a decade.

California's Department of Financial Protection and Innovation can protect students from runaway institutional debts through its existing ability to regulate schools as debt collectors when they choose to act as such.