Seth Frotman, Executive Director

Seth Frotman is the nation’s leading expert on the intersection between higher education finance, consumer protection, and public policy. Seth previously served as Assistant Director and Student Loan Ombudsman for the Consumer Financial Protection Bureau, where he led a government-wide effort to develop consumer-driven policy reforms and protect millions of Americans with student debt.

Seth joined the CFPB as part of the Treasury Implementation Team as Senior Advisor to Holly Petraeus, Assistant Director for Servicemember Affairs. He has also worked on the Senate Committee on Health, Education, Labor, and Pensions and was Deputy Chief of Staff for Rep. Patrick Murphy (PA). Prior to his work on federal policy, Seth served as counsel for the New Jersey State Senate, where he worked on state-level consumer protection legislation.

Seth’s work on behalf of student loan borrowers has appeared in national print publications and broadcast media, including The New York Times, The Wall Street Journal, National Public Radio, and The Washington Post. Seth received his JD from Indiana University School of Law and his bachelor’s degree from the University of Michigan. Full bio.


Alice Chang, Research and Policy Analyst

Alice Chang is a Research and Policy Analyst at the Student Borrower Protection Center. Prior to joining SBPC, Alice was a Director’s Financial Analyst at the Consumer Financial Protection Bureau, where she worked on issues related to student loans and mortgages, the two largest consumer financial markets. Alice analyzed consumer complaints on student loans to identify emerging trends and help set policy priorities for Office for Students. Alice was also a research analyst on the team tasked with assessing CFPB’s Mortgage Servicing regulations and monitored trends and developments in the mortgage market.

In addition to her work on student loans and mortgages, Alice helped promote awareness of issues relating to credit access. She co-authored a paper on the experience of people with limited English proficiency in consumer finance markets and developed credit profiles to highlight the issues related to credit invisibility at the local level. Alice received bachelor degrees in economics and finance from the University of Maryland, College Park. In the fall, she will begin the Master in Public Affairs program at Princeton University.


Tariq Habash, Head of Investigations

Tariq Habash is the Head of Investigations at the Student Borrower Protection Center, where he leads the investigative priorities to protect student loan borrowers. Prior to joining SBPC, Tariq was a Senior Policy Associate at The Century Foundation working on higher education affordability, accountability, and consumer protection. Tariq’s expertise and research on the predatory practices of the for-profit college industry, including the rampant use of forced arbitration, led to important student protections in federal regulations.

At The Century Foundation, Tariq developed and led the organization’s FOIA work, where he utilized public records laws to acquire, analyze, and build datasets from federal and state agency information centers, constructing the nation’s first comprehensive, institution-level dataset on borrower defense complaints. When government agencies failed to comply with the law, Tariq supported litigation efforts to produce important documents, like the Department of Education staff analysis of the failing ACICS, to the public. His research has been cited in The New York Times, Associated Press, The Washington Post, and numerous other national publications. Additionally, Tariq advises cohorts from the New Leaders Council, a progressive leadership development organization that equips members to run for office and effect change in their communities. Tariq graduated with his bachelor’s degree in Economics and Political Science from the University of Miami, and his master’s in Higher Education Policy from the Harvard Graduate School of Education.


Bonnie Latreille, Director of Research & Advocacy

Bonnie Latreille is the Director of Research and Advocacy at the Student Borrower Protection Center. Prior to joining SBPC, Bonnie served in the Office for Students and Young Consumers at the Consumer Financial Protection Bureau, where she specialized in student loan servicing compliance and consumer complaint data. Bonnie led the Bureau’s work on servicing compliance under the Public Service Loan Forgiveness program, and her work identifying consumer harm to borrowers pursuing PSLF led to Congress dedicating $700 million in 2018 to expand the program. Prior to her work in the Office for Students, Bonnie worked as an investigator at the CFPB, focusing on mortgage and debt collection compliance.

Bonnie previously worked for the Center for Medicare and Medicaid Innovation designing and implementing oversight for accountable care organizations, and in legal aid handling class action litigation stemming from the 2008 mortgage crisis. Bonnie received a bachelor’s in economics from the University of Texas at Dallas and a JD from the University of Virginia School of Law. As a law student, Bonnie worked for UVA’s Public Service Center and as coordinator of UVA Law’s Human Rights Program.


Mike Pierce, Director of Policy & Managing Counsel

Mike is the Policy Director and Managing Counsel at the Student Borrower Protection Center. He is an attorney, advocate, and former senior regulator who joined SBPC after more than a decade fighting for student loan borrowers’ rights on Capitol Hill and at the Consumer Financial Protection Bureau.

For seven years, Mike was the Bureau’s lead subject-matter expert on higher education and consumer protection. He advised all aspects of the Bureau’s work related to student loan origination, servicing, debt collection, and oversight of for-profit colleges. From 2015 to 2017, Mike also served as a Deputy Assistant Director of the Bureau, leading the day-to-day operations of the Bureau’s Office for Students & Young Consumers.

Prior to joining the staff at CFPB, Mike served as a policy advisor to Congressman John Sarbanes (MD-03), where he assisted in the passage of legislation creating the Public Service Loan Forgiveness (PSLF) program and worked on the 2008 reauthorization of the Higher Education Act. Mike holds a bachelor’s degree in public policy from George Washington University, and a JD from the Marshall-Wythe Law School at the College of William and Mary. As a law student, Mike worked in the Office of Federal Student Aid at the U.S. Department of Education.