Resource Category: Memos/Issue Briefs

This memo details the authorities held by federal and state consumer protection agencies that can be used to address student loan servicers that are blocking millions of federal student loan borrowers from receiving debt cancellation granted by Congress.

This memo urges the U.S. Department of Education (ED) to reconsider its exclusion of periods of time in default from the one-time Income-Driven Repayment (IDR) Account Adjustment, which ED announced as a remedy for borrowers who have been steered into forbearance or otherwise knocked off course from IDR cancellation.

This memo examines how the U.S. Department of Education’s efforts to remedy the failures of Income-Driven Repayment (IDR) could and should ensure that Federal Family Education Loan (FFEL) borrowers get the full benefit of the adjustment.

This memo details how the Administration’s remedy to the failures of Income-Driven Repayment (IDR)—an IDR Account Adjustment—is predicated on the myth that borrowers have full and accurate payment history records.

This memo lays out how unwieldy Income-Driven Repayment (IDR) requirements such as annual recertification contribute to blocking borrowers from accessing relief.