Reports

In a whitepaper, the SBPC, the National Consumer Law Center, and the Center for Responsible Lending offer a proposal to the Biden administration to fix income-driven repayment via the creation of an “IDR waiver.” This waiver would cut through the red tape that has long stymied the IDR program and...

This report highlights some of the critical work the SBPC has been able to accomplish over the past year alongside dedicated advocates and borrowers throughout the country.

The SBPC, as part of SLLI, released a report featuring contributions from leading student loan experts and advocates examining the Biden Administration’s progress on its promise to deliver student relief, and offering a roadmap for what can be done in the year ahead to help borrowers.

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...