Latest Work
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Treasury Offset Program NPRM Comment
Protect borrowers comment urging Treasury to make explicit the agency’s clear expectation that any creditor agency certifying a debt for collection through TOP be able to verify the debt’s accuracy.
More
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Testimony of Winston Berkman-Breen Before the NYC Council Committee on Consumer and Worker Protection
See here to read Winston Berkman-Breen’s February 23, 2026, testimony.
More
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Student Debt Delinquency Crisis Brief and Statewide Fact Sheets
The following brief and fact sheets analyze the student debt delinquency crisis and its impacts on millions of students and borrowers in each state across the country.
More
Latest Work
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Treasury Offset Program NPRM Comment
Protect borrowers comment urging Treasury to make explicit the agency’s clear expectation that any creditor agency certifying a debt for collection through TOP be able to verify the debt’s accuracy.
More
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Testimony of Winston Berkman-Breen Before the NYC Council Committee on Consumer and Worker Protection
See here to read Winston Berkman-Breen’s February 23, 2026, testimony.
More
-
Student Debt Delinquency Crisis Brief and Statewide Fact Sheets
The following brief and fact sheets analyze the student debt delinquency crisis and its impacts on millions of students and borrowers in each state across the country.
More
Latest Work
-
Treasury Offset Program NPRM Comment
Protect borrowers comment urging Treasury to make explicit the agency’s clear expectation that any creditor agency certifying a debt for collection through TOP be able to verify the debt’s accuracy.
More
-
Testimony of Winston Berkman-Breen Before the NYC Council Committee on Consumer and Worker Protection
See here to read Winston Berkman-Breen’s February 23, 2026, testimony.
More
-
Student Debt Delinquency Crisis Brief and Statewide Fact Sheets
The following brief and fact sheets analyze the student debt delinquency crisis and its impacts on millions of students and borrowers in each state across the country.
More
Latest Work
-
Treasury Offset Program NPRM Comment
Protect borrowers comment urging Treasury to make explicit the agency’s clear expectation that any creditor agency certifying a debt for collection through TOP be able to verify the debt’s accuracy.
More
-
Testimony of Winston Berkman-Breen Before the NYC Council Committee on Consumer and Worker Protection
See here to read Winston Berkman-Breen’s February 23, 2026, testimony.
More
-
Student Debt Delinquency Crisis Brief and Statewide Fact Sheets
The following brief and fact sheets analyze the student debt delinquency crisis and its impacts on millions of students and borrowers in each state across the country.
More
Latest Work
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Fact Sheet: MOHELA Lawsuit
Embattled student loan servicing giant MOHELA hit with groundbreaking consumer protection lawsuit for failing 8 million student borrowers.
More
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Deep Dive: How Labor Protections Allow Cities and States to Combat Worker Traps
The work highlighted in this Deep Dive sheds light on the ways that our higher education financing system is detrimental to Black women’s overall well-being and ability to build wealth.
More
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Deep Dive: How Cities and States Can Unlock Workers Across the Country from TRAPs
This is the kickoff piece for a deep dive series on how city, county, and state regulators can take on Training Repayment Agreement Provisions, or TRAPs, using existing authorities to protect workers.
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Coalition Letter to U.S. Department of Education Urging Immediate Unveiling of Hardship NPRM
227 organizations representing millions urge ED to immediately unveil its NPRM to provide student loan debt relief to borrowers experiencing hardship.
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Deep Dive: The State of the Student Debt Crisis for Black Women
The work highlighted in this Deep Dive sheds light on the ways that our higher education financing system is detrimental to Black women’s overall well-being and ability to build wealth.
More
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Student Debt in the South: Texas
In Student Debt in the South: Texas, SBPC explored student debt disparities and economic distress of borrowers of color in Dallas, Houston, and San Antonio. This is the second report in our series Student Debt in the South, following our deep dive into Atlanta, Georgia.
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22,000+ Borrowers and 200+ Advocacy Groups Submit Public Comment in Support of President Biden’s Student Debt Relief NPRM
Read the public comment submissions and borrower stories demonstrating the life-changing impact that President Biden’s new proposal would have.
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Fact Sheet: FTC Final Non-Competes Rule
April 23, 2024, the FTC issued a final rule that bans the use of traditional and de facto non-compete agreements, which includes stay-or-pay contracts. See our fact sheet on TRAPs and more.
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Testimony of Persis SiChing Yu Before the Senate Committee on Banking, Housing, and Urban Affairs Subcommittee on Economic Policy
Re: MOHELA’s Performance as a Student Loan Servicer
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20 Organizations Send Letter to FTC, Calls for a Ban on TRAPs, Highlighting Their Growing Use
20 organizations wrote the FTC to highlight new research documenting the growing use of TRAPs, and called for the FTC to ban their use in the final non-compete rule.
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