Reports

Reports

Dec 15, 2022

Collections Catastrophe: New Evidence Exposes Fundamental Failures of the Government’s Student Loan Collection Machine

This report reveals that ED may be powerless to implement protections for defaulted borrowers as required by law, and that it struggled to end illegal garnishments during COVID for far longer and in much more profound ways than previously known.

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Reports

Nov 22, 2022

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.

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Reports

Aug 2, 2022

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.

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Investigations Reports

Jul 28, 2022

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.

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Reports

Jul 27, 2022

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.

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Reports

Mar 17, 2022

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.

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Reports

Mar 14, 2022

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.

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Reports

Mar 3, 2022

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.

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Reports

Jan 20, 2022

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.

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Reports

Jan 12, 2022

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.

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