Latest Work
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January 2026 Default Crisis Fact Sheet
Learn more about the student loan default crisis.
More
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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.
More
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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.
More
Latest Work
-
January 2026 Default Crisis Fact Sheet
Learn more about the student loan default crisis.
More
-
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.
More
-
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.
More
Latest Work
-
January 2026 Default Crisis Fact Sheet
Learn more about the student loan default crisis.
More
-
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.
More
-
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.
More
Latest Work
-
January 2026 Default Crisis Fact Sheet
Learn more about the student loan default crisis.
More
-
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.
More
-
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.
More
Latest Work
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AFT and SBPC Letters to OIGs on Probe Corruption
AFT and SBPC urge the Inspectors General for the ED and the CFPB to probe these agencies’ handling of their shared oversight responsibility over the $1.6 trillion federal student loan market.
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Deep Dive: House Reconciliation Bill Makes Paying for College More Expensive and Risky for Students and Working Families
This SBPC Deep Dive is a preliminary economic analysis of the House Education & Workforce Committee’s legislation on student loan repayment.
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Tasha Berkhalter’s Testimony at Senator Murray’s Spotlight Forum, “Abandoning America’s Promise: The Real Cost of Dismantling the Department of Education”
See here to read Tasha Berkhalter’s testimony from May 6, 2025.
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Coalition Comment Letter to U.S. Department of Education in Response to Intent to Establish Negotiated Rulemaking
186 organizations representing millions crushed under the weight of student loan debt submitted a comment in response to ED’s notice of its intent to establish negotiated rulemaking aimed at overhauling the rules that protect people from unaffordable student loan debt.
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Preliminary Economic Analysis of Budget Reconciliation Proposal on Student Loan Repayment
Ahead of the House Education and Workforce Committee’s mark up, Republican leaders on the committee released their draft budget reconciliation bill. In response, SBPC sent a letter to the Committee Chairman Tim Walberg and Ranking Member Bobby Scott warning of the dire economic effects posed by this legislation.
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Oral Comment of Persis Yu Opposing Attempts to Gut IDR and Limit PSLF
Read the full remarks of Persis Yu before ED.
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Predatory Tech Company Prehired Defies Government Order to Cease Operations and Continues Defrauding Students as “FastTrack”
SBPC released the results of a months-long investigation into the tech company Prehired, exposing how the firm had resumed its scheme to push worthless credentials on students, paid for via its own predatory private student lending operation.
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AFT v. U.S. Department of Education Lawsuit Fact Sheet
Trump Education Department’s broken promises lead to unaffordable monthly payments and deny public service workers progress towards debt relief, according to new lawsuit.
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Protect Borrowers Congressional Casework Tool
If you are having an issue with your federal student loans or your student loan servicer, you can contact your senator or representative and request casework assistance.
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Maryland Institutional Debt Public Records Analysis
The Student Borrower Protection Center (SBPC) submitted Maryland Public Information Act requests to 12 different public higher education institutions in the state of Maryland seeking information about the debt that current and former students owe to their schools. Only five out of the 12 institutions provided any data, and even of those that did, the data received was incomplete.
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