• About Us
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    • What We Do
    • Federal Student Loans
      • Delivering Debt Relief
        • Public Service Loan Forgiveness
        • Income-Driven Repayment
        • Closed School Discharge
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        • Training Repayment Agreement Provisions (TRAPs)
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    • Public Corruption & Attacks On Public Power
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What We Do

We’re fighting the corrupt corporations and broken public programs that drive American families into debt.

When corporations weaponize debt and government looks the other way, our communities and families pay the price. We’re fighting this rigged system with every tool we’ve got—suing predatory lenders, overhauling broken programs, and mobilizing borrowers to demand change. From employer debt traps to algorithmic redlining to for-profit college scams, we’re taking on the debt-industrial complex piece by piece.

Here’s How

Federal Student Loans

Predatory Lending & Private Credit

Free College

Workplace Debt & Labor Exploitation

Public Corruption & Attacks on Public Power

Other Household Debt

Racial & Economic Justice

State & Local Projects

Borrowers Not Billionaires - Rally To Defend CFPB -On February 09, 2026 in Washington, DC. (Photo by Jemal Countess/Getty Images for Protect Borrowers) - signs read "Borrowers Not Billionaires" "CFPB Works For You" "Solidarity" and more

ABOUT US

Protect Borrowers (formerly Student Borrower Protection Center) is a team of experts, lawyers, and advocates fighting to build an economy where debt doesn’t limit opportunity.

We investigate financial abuses, take predatory companies to court, and push for policies to protect working people from debt traps. We aim to deliver immediate relief to families while building power and driving systemic change.

Learn More

Latest Work


  • Letters & Memos

    Bilt 2.0 Supervision Letter and Customer Complaint Catalog

    Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.

    READ More


  • Testimony & Remarks

    Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy

    See here to read Chris Hick’s March 11, 2026, testimony.

    READ More


  • Reports

    Understanding Black Students’ Experiences and Outcomes at For-Profit Colleges to Inform State Oversight

    Co-authored with TICAS, this report offers a snapshot of Black student enrollment and outcomes at for-profit colleges paired with the perspectives of Black alumni of for-profit undergraduate and graduate programs.

    READ More


  • Testimony & Remarks

    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.

    READ More


  • Polling

    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.

    READ More


  • Comments

    Comments to U.S. Department of Education for RISE NPRM

    Nearly a hundred organizations representing millions urge ED to protect borrowers from economic harm as the proposed rule under the Reimagining and Improving Student Education (RISE) Negotiated Rulemaking is finalized and implemented.

    READ More

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