Reports

This report synthesizes evidence identifying various glaring warning signs that Income-Driven Repayment is failing millions of borrowers who have been in repayment for decades on federal student loans—and that it is slated to continue doing so for years to come.

This report examines the role that the use of alternative documentation of income plays in driving racial disparities in access to Income-Driven Repayment for student loan borrowers.

This report highlights how the design of the main protection meant to deliver affordability to federal student loan borrowers, Income-Driven Repayment (IDR), ignores the widespread effects that runaway student loan balances have across borrowers’ financial lives.

This report highlights how the payment formulas currently underlying Income-Driven Repayment (IDR) can harm low to middle-income borrowers, forcing them to choose between meeting basic needs and paying their monthly student loan bills. 

This report examines the history of Income-Driven Repayment (IDR), identifies its key founding principles, the ways that policymakers have tried to meet them, and how the current design of the protection has fallen short of achieving its original goals.

In a report, SBPC fellow Claire Johnson Raba, a SBPC fellow shows the effect of predatory private student loan collection practices on borrowers in California. With creditors dragging borrowers into court for debts they often do not owe and lacking the documents necessary to back up their claims, the report...

This report examines how predatory for-profit institutions are geographically targeting communities of color in cities in the Upper Midwest and across the country. By targeting prospective Black and Latino students with dubious educational programs and high levels of debt, the report shows how these institutions are systematically stripping wealth from...

This report is the result of an investigation revealing that public colleges and universities nationwide are driving students toward expensive, predatory student debt.

This report from the SBPC and Berger Montague attorney John Albanese examines how creditors, including student loan companies, routinely furnish inaccurate information to consumer reporting agencies like Experian, Equifax, and TransUnion.

This report from the SBPC and Relman Colfax attorneys Stephen Hayes and Kali Schellenberg, examines how laws prohibiting unfair, deceptive (and sometimes abusive) acts and practices (“UDA(A)Ps”) can be applied to combat discrimination in the student loan market and beyond.