Latest Work

  • Testimony of Amy Czulada Before the MD House Appropriations Committee

    See here to read Amy Czulada’s February 24, 2026, testimony.

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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.

    More

Latest Work

  • 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

  • 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

Latest Work

  • 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

  • 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

Latest Work

  • 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

  • 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

Latest Work

  • 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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  • Letter to House Judiciary Subcommittee on the Administrative State, Regulatory Reform and Antitrust on “Bankruptcy Law: Overview and Legislative Reforms”

    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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  • 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

    Jennifer Zhang

    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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  • Statewide Fact Sheets: Students and Families Under Threat as Congress Advances Reconciliation Bill Slashing Critical Higher Education Funding

    The data underscore how default has disastrous consequences for borrowers and their families. For many, default is a lifetime sentence, and America’s most vulnerable communities—older, low-income, borrowers with disabilities, and Black borrowers—are disproportionately impacted.

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  • Preliminary Economic Analysis of Senate Proposal on Student Loan Repayment

    Read SBPC’s letter to Chairman Cassidy and Ranking Member Sanders detailing that the Senate reconciliation proposal will cost borrowers hundreds of dollars per month, or thousands of dollars per year.

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  • Group Letter to ED on Student Debt Rulemaking Panel

    Dozens of organizations representing millions sent a letter to ED urging officials to expand the slate of negotiator seats on its proposed neg reg committee.

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  • Deep Dive: Moving Student Loans Out of the Education Department is a Risky Gamble for Borrowers and the U.S. Economy

    Michael Negron and Aissa Canchola Bañez

    This Deep Dive details how the Trump Administration’s reported efforts to charge the Small Business Administration with oversight of federal student loans are illegal and would result in a major decline in quality of services for borrowers already facing tremendous economic uncertainty.

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  • Testimony of Mike Pierce Before the U.S. Senate HELP Committee

    See here to read Mike Pierce’s May 21, 2025, testimony.

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