Latest Work
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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
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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…
More
Latest Work
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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
-
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…
More
Latest Work
-
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
-
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…
More
Latest Work
-
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
-
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…
More
Latest Work
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CFPB Supervision Comment Series
SBPC comments on CFPB’s Advanced Notice of Proposed Rulemaking re: the consumer credit reporting market, the consumer debt collection market, the auto finance market, and the international money transfer market.
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Testimony of Aissa Canchola Bañez Before U.S. Senate on How Republicans are Closing the Door on Working and Middle-Class Students
See here to read Aissa Canchola Bañez’s September 16, 2025 testimony.
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Deep Dive: The OBBBA Law Makes Paying for College More Expensive and Risky
The following Protect Borrowers Deep Dive is an updated analysis of certain student loan-related provisions of the “One Big Beautiful Bill Act” passed by Congress and signed into law through the budget reconciliation process. An original analysis focused on the House version of the bill was published on May 6, 2025.
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OBBBA Increased Costs Fact Sheet
The following fact sheet describes how the “One, Big, Beautiful Bill Act” will make paying for college more expensive for families and increase student loan costs.
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Letter to U.S. Department of Education on RISE & AHEAD Negotiated Rulemakings
Student Borrower Protection Center urged ED to use rulemaking to maximize borrowers’ benefits and opportunities as the Trump Admin works to implement the changes to the federal student loan system pursuant to the “One Big Beautiful Bill Act.”
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Testimony of Persis Yu Before the Massachusetts Joint Committee on the Judiciary
See here to read Persis Yu’s July 29, 2025 testimony.
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Memo: More than $360 Million Owed to Consumers from Trump CFPB Enforcement Actions is Already Gone or At Risk
A new analysis from the Consumer Federation of America and SBPC reveals that at least $360 million in compensation for people harmed by corporate illegal conduct has already been pulled back or could be taken from the American people.
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Memo: More Broken Promises to Working Families with Student Debt
ED Secretary McMahon instructed student loan companies to begin charging interest to nearly 8 million student loan borrowers trapped in the SAVE forbearance. This memo analyzes the financial harm the Trump Admin will cause these borrowers and the broader economy as a result.
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Deep Dive: The Hidden Costs of Delinquency: Subprime Credit, Predatory Loans, and Debt Traps
Recent data shows that one student loan in delinquency can make borrowers of every credit tier subprime, which can cause their interest rates for lines of credit to more than double, making it substantially more difficult—if not impossible in some cases—to buy a home or car, open a credit card, rent an apartment, and more.
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