The SBPC and AFT expose new instances of mismanagement and abuse in the Public Service Loan Forgiveness Program.
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Applying State Consumer Finance Laws to Income Share Agreements
This paper surveys state consumer finance and consumer protection laws to examine their application to ISAs.
Learn More Solving Student Debt or Compounding the Crisis?: Income Share Agreements & Fair Lending Risks
This paper examines how the antidiscrimination framework underpinning federal and state fair lending laws apply to Income Share Agreements, with a particular focus on the Equal Credit Opportunity Act
Learn More Credit By Any Other Name: How Federal Consumer Financial Law Governs Income Share Agreements
This paper lays out how ISAs share many characteristics with traditional student loans and how these financial products fall squarely within the consumer financial laws which broadly apply to credit products.
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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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SBPC and NCLC File FTC Complaint Against Vemo Education for Deceptive Marketing Practices
In a complaint to the Federal Trade Commission, the Student Borrower Protection Center and the National Consumer Law Center urged the Federal Trade Commission to investigate Vemo Education, Inc. for unfair and deceptive business practices in its marketing and promotion of income share agreements (ISAs) for students.
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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...
Learn More 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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