Resource Type: Reports

Reports

Jubilee and Jubilation: An Examination of the Relationship between Public Service Loan Forgiveness and Measures of Well-Being

Using a novel survey of hundreds of student loan borrowers across the country, this research provides a first-of-its-kind look at how nearing and arriving at PSLF has positive spillover effects across nearly every area of borrowers’ lives, including improving a wide range of financial, psychological, and behavioral measures.

More
Press, Reports

Beyond Fresh Start: Addressing the Flaws of the Current Student Loan Collection System

The Student Borrower Protection Center’s paper series on the flaws of the current system of student loan default and collections in the U.S.

More
Trapped at Work: How Big Business Uses Student Debt to Restrict Worker Mobility

The investigation reveals that “Training Repayment Agreement Provisions” (TRAPs) have become more prominent in use by major employers as a tool to trap people in poor working environments and low-paying jobs.

More
Reports

Collection At All Costs: Examining the Intersection of Mass Incarceration and the Student Debt Crisis

This report documents the findings of a joint SBPC-NCLC investigation indicating that servicing issues and aspects inherent to incarceration lead to huge financial problems for incarcerated borrowers.

More
Creditor Colleges: Canceling Debts that Surged During COVID-19 for Low-Income Students

According to this new report, when students owe debts to “Creditor Colleges,” the consequences can be catastrophic.

More
Reports

Customer Disservice: Examining Maximus, The Federal Contractor That Just Became The Largest Student Loan Company In The World

This report details the Student Borrower Protection Center and Communications Workers of America’s joint investigation into Maximus, the world’s largest student debt company.

More
Point of Fail: How a Flood of “Buy Now, Pay Later” Student Debt is Putting Millions at Risk

This report documents the results of an SBPC investigation finding that emerging point-of-sale lending firms, particularly those in the rapidly growing BNPL space, are driving students toward risky loan products and propping up a startling array of questionable for-profit schools in the process.

More
Morally Bankrupt: How the Student Loan Industry Stole a Generation’s Right to Debt Relief

This report investigates a decades-long scheme by the student loan industry to rob borrowers of their right to debt relief on many types of private student loans.

More
Reports

Restoring the Promise of Income-Driven Repayment: An IDR Waiver Proposal

In a whitepaper, the SBPC, the National Consumer Law Center, and the Center for Responsible Lending offer a proposal to the Biden administration to fix income-driven repayment via the creation of an “IDR waiver.” This waiver would cut through the red tape that has long stymied the IDR program and deliver a pathway out of student debt by giving borrowers credit for time in repayment.

More
Reports

2021 SBPC Highlights Report

This report highlights some of the critical work the SBPC has been able to accomplish over the past year alongside dedicated advocates and borrowers throughout the country.

More