Paper Series: Consumer Law and Income Share Agreements

This paper series explores the role that consumer protection laws play in safeguarding borrowers from the harms posed by ISAs. Authored by legal experts at the forefront of consumer law, the papers look at how ISAs fit into the existing consumer financial protection framework, highlighting a strong legal foundation for...

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Shadow Student Debt

This report examines the web of predatory schools and financial services firms that drive students to take on risky, high-cost shadow student debt.

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Disparate Debts: How Student Loans Drive Racial Inequality Across Cities

Disparate Debts: How Student Loans Drive Racial Inequality Across Cities This report examines alarming racial disparities in student debt burdens and borrower distress across American cities. The report highlights trends and offers new analysis of recent research by economists and city officials in Washington, D.C., Philadelphia, New York City, and...

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Federalism to the Rescue

Today, the Student Borrower Protection Center released new research developed as part of its Student Loan Justice Fellowship Program to help answer this question. The report, written by SBPC fellow Brian Shearer, builds a case for how states can oversee the nonbank companies at the center of the $1.6 trillion...

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The Secret Price Tag of Student Debt

This report, by the SBPC and the Credit Builders Alliance, highlights the secret price student loan borrowers pay for common consumer credit products like a mortgage, auto loan, or credit card. Using novel consumer reporting agency data, the report shows how student debt affects borrowers’ experience with other consumer financial...

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Private Student Lending

This report documents the rapid growth of the private student loan market and demonstrates why there is a desperate need for accountability and reforms to protect the millions of borrowers whose lives are impacted by this market.

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Educational Redlining

The SBPC’s analysis of fintech and banking products uncovered cases where a prospective borrower may be hit with thousands of dollars in additional credit costs if he or she attended a community college, an Historically Black College or University (HBCU), or an Hispanic-Serving Institution (HSI).

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