Latest Work
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Testimony of Jacob DuMez Before the MD Senate Budget and Taxation Committee
See here to read Jacob DuMez’s February 23, 2026, testimony.
More
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Testimony of Amy Czulada Before the MD House Appropriations Committee
See here to read Amy Czulada’s February 24, 2026, testimony.
More
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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
Latest Work
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Testimony of Jacob DuMez Before the MD Senate Budget and Taxation Committee
See here to read Jacob DuMez’s February 23, 2026, testimony.
More
-
Testimony of Amy Czulada Before the MD House Appropriations Committee
See here to read Amy Czulada’s February 24, 2026, testimony.
More
-
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
Latest Work
-
Testimony of Jacob DuMez Before the MD Senate Budget and Taxation Committee
See here to read Jacob DuMez’s February 23, 2026, testimony.
More
-
Testimony of Amy Czulada Before the MD House Appropriations Committee
See here to read Amy Czulada’s February 24, 2026, testimony.
More
-
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
Latest Work
-
Testimony of Jacob DuMez Before the MD Senate Budget and Taxation Committee
See here to read Jacob DuMez’s February 23, 2026, testimony.
More
-
Testimony of Amy Czulada Before the MD House Appropriations Committee
See here to read Amy Czulada’s February 24, 2026, testimony.
More
-
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
Latest Work
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Deep Dive: New Research Shows the Profound Impact of Debt on Perceptions of Higher Ed
For the first time, a novel set of research investigates the perspectives of student loan borrowers in various repayment plans on key issues, including (1) the value of their higher education experience, (2) the educational threshold for financial security, and (3) their trust in loan servicers and the federal government concerning loan repayment information.
More
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Report and Fact Sheets: How Rising Utility Costs Are Fueling Debt and Overwhelming American Families
The Century Foundation (TCF) and Protect Borrowers reveal that rising energy and utility costs are pushing families deeper and deeper into debt, fueled by poorly regulated utility monopolies, the explosion of AI data centers, and President Trump’s policies that have jacked up Americans’ utility bills.
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Fact Sheet: Austin Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics
The fact sheet includes data showing how borrowers in the Austin metropolitan area of Texas are experiencing economic hardship on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Latino neighborhoods are disproportionately burdened by student debt.
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Testimony of Jennifer Zhang at the People’s Oversight Hearing Held by Public Knowledge
See here to read Jennifer Zhang’s November 12, 2025 testimony.
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Fact Sheet: Twin Cities Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics
The fact sheet includes data showing how borrowers in the Louisville metropolitan area are experiencing severe delinquency on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Black neighborhoods are disproportionately burdened by student debt.
More
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Memo: How the “One Big Beautiful Bill Act” Will Raise Taxes for Thousands of Student Loan Borrowers
This memo provides an overview of the additional tax costs that working families could face if Congress and the Trump Administration fail to act.
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Fact Sheet: Louisville, KY Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics
The fact sheet includes data showing how borrowers in the Louisville metropolitan area are experiencing severe delinquency on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Black neighborhoods are disproportionately burdened by student debt.
More
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Testimony of Mark Huelsman Before U.S. Senate HELP Committee on Reforming Financial Transparency in Higher Ed
See here to read Mark Huelsman’s November 6, 2025 testimony.
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Memo: CFPB Enforcement Actions Dismissed or Terminated Under Trump’s CFPB
Consumer Federation of America and Protect Borrowers outline the more than 40 public enforcement actions against Wall Street banks, Big Tech firms, and other corporations that have been dismissed or rolled back under the Trump Administration and Acting Director Russell Vought.
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Alerting Illinois Officials to the Need to Protect Students and Borrowers from Public Institutions Outsourcing Management of Online Programs to For-Profit Company, Risepoint
This letter discusses the urgent need to reform our bankruptcy system and shine a spotlight on how our bankruptcy system unjustly fails to protect millions of student loan borrowers.
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