Latest Work
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Repeat Offenders: The Student Loan Servicers Who Keep Getting Paid to Fail Borrowers
This report from Protect Borrowers and the Debt Collection Lab at Princeton University maps the fragmented student loan system and the players involved.
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Fact Sheet: Affordability in Orlando, Florida
The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Orlando metropolitan area of Florida.
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Affordable NYC Now
An agenda to lower costs, hold corporations accountable, and make government work for New Yorkers.
More
Latest Work
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Repeat Offenders: The Student Loan Servicers Who Keep Getting Paid to Fail Borrowers
This report from Protect Borrowers and the Debt Collection Lab at Princeton University maps the fragmented student loan system and the players involved.
More
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Fact Sheet: Affordability in Orlando, Florida
The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Orlando metropolitan area of Florida.
More
-
Affordable NYC Now
An agenda to lower costs, hold corporations accountable, and make government work for New Yorkers.
More
Latest Work
-
Repeat Offenders: The Student Loan Servicers Who Keep Getting Paid to Fail Borrowers
This report from Protect Borrowers and the Debt Collection Lab at Princeton University maps the fragmented student loan system and the players involved.
More
-
Fact Sheet: Affordability in Orlando, Florida
The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Orlando metropolitan area of Florida.
More
-
Affordable NYC Now
An agenda to lower costs, hold corporations accountable, and make government work for New Yorkers.
More
Latest Work
-
Repeat Offenders: The Student Loan Servicers Who Keep Getting Paid to Fail Borrowers
This report from Protect Borrowers and the Debt Collection Lab at Princeton University maps the fragmented student loan system and the players involved.
More
-
Fact Sheet: Affordability in Orlando, Florida
The fact sheet includes data on student loan, credit card, and auto debt for borrowers in the Orlando metropolitan area of Florida.
More
-
Affordable NYC Now
An agenda to lower costs, hold corporations accountable, and make government work for New Yorkers.
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.
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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.
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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.
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Broken Promises Memo
Since Trump took office, American families have been struggling and more are being pushed into debt just to make ends meet. This memo sheds light on the broken promises President Trump and his Administration have made to address the affordability crisis and the reality that American families have had to endure over the last year. Trump’s policies have fanned the flames of the affordability crisis, pushed costs even higher, and driven millions of…
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Fight for Affordability Memo and Survey Findings
Protect Borrowers partnered with the AFT to unveil the findings of a survey of more than 7,500 AFT union members, revealing the dire financial situations working families face under President Trump’s failed economic policies.
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Coalition Letter to U.S. Senate and House Committees Urging Advancement of the 10 Percent Credit Card Interest Rate Cap Act of 2025
A diverse coalition sent a letter to leaders on the U.S. Senate and House committees calling on them to advance S. 381/H.R. 1944, the 10 Percent Credit Card Interest Rate Cap Act of 2025.
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Rent Now, Pain Later Report
Protect Borrowers and Towards Justice document predatory short-term, high-cost loans marketed to Americans struggling to pay high rents.
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January 2026 Default Crisis Fact Sheet
Learn more about the student loan default crisis.
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2025 Student Loan Default Crisis: State by State
Protect Borrowers’ analysis shows that by the end of 2025, student loan borrowers had defaulted on debts totaling more than $92 billion—bringing the total number of borrowers whose debts meet the legal definition of a student loan default to nearly 9 million people nationwide.
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Memo: Investigative Findings Related to California Colleges’ Continued Use of Unlawful Transcript Withholding Practices
Protect Borrowers and The HERE Lab at the University of California, Merced released findings from a months-long investigation looking into the ongoing use of unlawful transcript withholding policies across California. The investigation found that despite this practice being prohibited for six years now, nearly ⅓ of public colleges and universities across the state continue to have policies that may subject students to unlawful transcript withholding.
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