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  1. What We Do
  2. Other Household Debt

Other Household Debt


  • Blogs
    Apr 16, 2026

    “File Now, Pay Later” is Everything Broken in Our Economy

    The case for a BNPL Bill of Rights.

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  • Blogs
    Apr 9, 2026

    A Requiem for Price Controls in Higher Ed

    People cheer for bad policy, show off their bad judgment.

    More


  • Reports
    Mar 17, 2026

    Interest Nation: The State of America’s Credit Card Debt Crisis

    This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.

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  • Press Releases
    Mar 17, 2026

    NEW ANALYSIS: More Than Half of Credit Cardholders Are Carrying Debt Month-to-Month at Crushing Interest Rates As Trump’s Affordability Crisis Worsens

    A report from The Century Foundation and Protect Borrowers reveals that 111 million Americans are getting crushed by credit card bills with sky-high interest rates.

    More


  • Blogs
    Mar 5, 2026

    The Mask Is Slipping: New Poll Shows Debt Is the Only Thing Holding Trump’s Economy Together

    A pair of polls—one old, one new—bring America’s affordability crisis into sharper focus.

    More


  • Testimony & Remarks
    Mar 4, 2026

    Testimony of Winston Berkman-Breen Before the NY State Senate Codes and Consumer Protection Committees

    See here to read Winston Berkman-Breen’s March 4, 2026, testimony.

    More


  • Polling
    Mar 4, 2026

    Poll: Nearly Two-Thirds of Americans Prioritize Lower Credit Card Interest Rates Over Perks and Easy Approval

    Groundwork Collaborative and Protect Borrowers released a Data for Progress poll showing strong, bipartisan support for efforts to cap credit card interest rates at 10%. After hearing common bank lobby talking points, nearly two-thirds of voters across party lines still favor a 10% interest rate cap.

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  • Press Releases
    Mar 4, 2026

    New Poll: Nearly Two-Thirds of Americans Prioritize Lower Credit Card Interest Rates Over Perks and Easy Approval

    Even if Trump Did Manage to Deliver on a Credit Card Interest Rate Cap, 80% of Voters Say He Would Need to Do More to Show He’s Serious About Lowering Costs March 4, 2026 | WASHINGTON, D.C. — Today, as Trump’s policies continue to increase costs, Groundwork Collaborative and Protect Borrowers released a new Data […]

    More


  • Testimony & Remarks
    Feb 25, 2026

    Testimony of Jacob DuMez Before the MD Senate Budget and Taxation Committee

    See here to read Jacob DuMez’s February 23, 2026, testimony.

    More


  • Press Releases
    Feb 24, 2026

    As American Families Drown in Debt and Struggle to Keep Food on the Table, Trump Uses State of the Union to Gaslight American People on the State of the Economy

    President attempts to convince working-class families that economic struggles are not real and deflect from his own policies that have inflamed affordability crisis.

    More


  • Testimony & Remarks
    Feb 23, 2026

    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


  • Letters & Memos
    Feb 19, 2026

    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


  • Blogs
    Feb 19, 2026

    President Trump’s Broken Promises and the State of Americans’ Ballooning Debts as President Trump Talks Affordability in the State of the Union

    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.

    More


  • Press Releases
    Feb 18, 2026

    New Findings: Vast Majority of Working Families Live Paycheck-To-Paycheck and Growing Number Rely on Debt to Afford Essentials, AFT Member Survey Finds

    Survey of more than 7,500 AFT union members: over 1 in 3 unable to cover all monthly bills and over 1 in 2 financially worse off since Trump returned to office.

    More


  • Letters & Memos Polling
    Feb 18, 2026

    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.

    More


  • Press Releases
    Feb 9, 2026

    One Year After Trump’s Hostile Takeover of CFPB, Members of Congress, Workers, and Advocates Gather to Demand the Administration Put Borrowers Over Billionaires

    Trump attacks on the CFPB cost Americans at least $18 billion in 2025.

    More


  • Amicus Briefs
    Feb 9, 2026

    Amicus Brief to the U.S. Court of Appeals for the District of Columbia Circuit in NTEU v. Vought

    Protect Borrowers joined a coalition of dozens of veterans and national, state, and local nonprofit groups in submitting an amicus brief(PDF file) to the U.S. Court of Appeals for the District of Columbia Circuit in NTEU v. Vought, a case challenging efforts by Acting Director Russell Vought and the Trump Administration to shutter the CFPB.

    More


  • Press Releases
    Feb 9, 2026

    “Debt Cancellation for Big Banks?” Advocates Say Shuttering the Consumer Watchdog Lets Wall Street Off the Hook While Families Pay the Price

    A coalition of dozens veterans and national, state, and local nonprofit groups submitted an amicus brief to the U.S. Court of Appeals for the District of Columbia Circuit in NTEU v. Vought.

    More


  • Press Releases
    Feb 6, 2026

    As Millions of Working Families Drown in $1.2 Trillion in Credit Card Debt, Historic Coalition of Civil Rights, Labor Unions, Veterans, Consumer Protection, and Borrower Advocates Come Together to Call On Congress to Advance Legislation Capping Credit Card Interest Rates at 10%

    An historic and diverse coalition of civil rights, labor unions, veterans, consumer protection, and borrower advocates sent an urgent letter to leaders on U.S. Senate and U.S. House committees calling on them to advance the 10 Percent Credit Card Interest Rate Cap Act of 2025.

    More


  • Letters & Memos
    Feb 6, 2026

    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.

    More

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EXPLORE OUR OTHER WORK

PREDATORY LENDING & PRIVATE CREDIT

We believe that opportunity should not come with a lifetime of debt. We are fighting to hold private companies accountable, demanding justice for families, and rewriting the rules that shape how private credit is extended, serviced, collected, and reported across the economy.

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FREE COLLEGE

It’s time to deliver a truly public, debt-free system and accountability for those who profit off the status quo, deny opportunity, and push borrowers further into debt.

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WORKPLACE DEBT & LABOR EXPLOITATION

Every year, tens of millions of Americans leave their jobs. But for many of them, this can come with a surprise: a bill. That’s because more employers are relying on “stay-or-pay” contracts to trap workers, requiring them to pay a penalty if they leave a job. If left unchecked, stay-or-pay contracts have the potential to leave workers buried in debt just for taking a better opportunity or for having to quit a job to navigate personal hardship.

Learn More
Public Corruption & Attacks On Public Power

Working families’ last defense against debt traps is often the federal agencies responsible for holding corporations accountable and enforcing the rules that govern our economy. Protect Borrowers will continue to expose public corruption and aggressively pursue the officials responsible for looting the federal government to the benefit of billionaires and the biggest corporations.

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RACIAL & ECONOMIC JUSTICE

We are dedicated to ensuring that marginalized communities are protected from mistreatment by the loan industry. We have investigated and reported on predatory actors who attempt to take advantage of underserved communities. Through innovative advocacy and the novel application of legal tools, Protect Borrowers is working to address discrimination in the market and demonstrate how protecting borrowers is critical to advancing racial equity and economic justice.

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STATE & LOCAL PROJECTS

We support state and local efforts to ensure we have a safe and well-regulated economy that works for everyone across the country by helping legislatures enact new laws, providing technical assistance as agencies implement and enforce these laws, and training local offices to provide services to their communities.

Learn More

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