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    • What We Do
    • Federal Student Loans
      • Delivering Debt Relief
        • Public Service Loan Forgiveness
        • Income-Driven Repayment
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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

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


  • Deep Dives

    Deep Dive: New Research Shows the Profound Impact of Debt on Perceptions of Higher Ed

    For the first time, a novel set of research investigates the perspectives of student loan borrowers in various repayment plans on key issues, including (1) the value of their higher education experience, (2) the educational threshold for financial security, and (3) their trust in loan servicers and the federal government concerning loan repayment information. 

    READ More


  • Reports

    Report and Fact Sheets: How Rising Utility Costs Are Fueling Debt and Overwhelming American Families

    Read our latest report.

    READ More


  • Fact Sheets

    Fact Sheet: Austin Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics

    The fact sheet includes data showing how borrowers in the Austin metropolitan area of Texas are experiencing economic hardship on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Latino neighborhoods are disproportionately burdened by student debt.

    READ More


  • Testimony & Remarks

    Testimony of Jennifer Zhang at the People’s Oversight Hearing Held by Public Knowledge

    See here to read Jennifer Zhang’s November 12, 2025 testimony.

    READ More


  • Fact Sheets

    Fact Sheet: Twin Cities Borrowers and Families Experiencing Economic Hardship Due to Impending Student Loan Default Crisis and Systemic Chaos Across Demographics

    The fact sheet includes data showing how borrowers in the Louisville metropolitan area are experiencing severe delinquency on the precipice of the impending student loan default crisis, and that women, older borrowers, and borrowers in majority-Black neighborhoods are disproportionately burdened by student debt.

    READ More


  • Letters & Memos

    Memo: How the “One Big Beautiful Bill Act” Will Raise Taxes for Thousands of Student Loan Borrowers

    This memo provides an overview of the additional tax costs that working families could face if Congress and the Trump Administration fail to act.

    READ More

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