Resource Category: Reports

Reports

UC Irvine Law Review Student Loan Edition

The UC Irvine Law Review issued a new special edition of its journal dedicated exclusively to exploring the intersection of student debt, consumer protection, and the law.

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Reports

Protecting Military Borrowers

This report examines the roadblocks that members of the military face in accessing Public Service Loan Forgiveness.

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Reports

Race: Examining Legal Remedies for Disparate Student Debt Outcomes

This paper, written for the Consumer Finance Law Quarterly Report by SBPC Civil Rights Counsel Katherine Welbeck, examines the racial disparities that exist in the student loan market, explores the role of student loan servicing in varied borrower outcomes, and lays out the range of legal remedies available to hold companies accountable.

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Reports

Protect Student Borrowers: How Washington Can End Trump-Era Obstruction and Demand Justice in 2021 and Beyond

This report outlines a series of immediate actions that Washington can take to reverse obstruction by the Trump Administration that has denied justice for tens of millions of student loan borrowers.

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Reports

SBPC and AFT Investigation on Mismanagement and Abuse on Scandal-Plagued Public Service Loan Forgiveness Program

The SBPC and AFT expose new instances of mismanagement and abuse in the Public Service Loan Forgiveness Program.

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Reports

Applying State Consumer Finance Laws to Income Share Agreements

This paper surveys state consumer finance and consumer protection laws to examine their application to ISAs.

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Reports

Solving Student Debt or Compounding the Crisis?: Income Share Agreements & Fair Lending Risks

This paper examines how the antidiscrimination framework underpinning federal and state fair lending laws apply to Income Share Agreements, with a particular focus on the Equal Credit Opportunity Act

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Reports

Credit By Any Other Name: How Federal Consumer Financial Law Governs Income Share Agreements

This paper lays out how ISAs share many characteristics with traditional student loans and how these financial products fall squarely within the consumer financial laws which broadly apply to credit products.

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Reports

Federalism to the Rescue

Today, the Student Borrower Protection Center released new research developed as part of its Student Loan Justice Fellowship Program to help answer this question. The report, written by SBPC fellow Brian Shearer, builds a case for how states can oversee the nonbank companies at the center of the $1.6 trillion student loan market. The report also offers a path forward for states to oversee other critical nonbank financial institutions that play large roles…

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Reports

The Secret Price Tag of Student Debt

This report, by the SBPC and the Credit Builders Alliance, highlights the secret price student loan borrowers pay for common consumer credit products like a mortgage, auto loan, or credit card. Using novel consumer reporting agency data, the report shows how student debt affects borrowers’ experience with other consumer financial products.

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