Reports

Reports

Oct 22, 2020

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

Oct 13, 2020

Broken Promises: The Untold Failures of ACS Servicing

A new report exposes millions of student loan servicing errors in the PSLF program. The investigation found loans owed by at least 1.3 million borrowers — and possibly millions more — had servicing errors due to the mismanagement of student loan servicing company Affiliated Computer Systems.

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Reports

Oct 6, 2020

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

Aug 12, 2020

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

Aug 4, 2020

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

Jul 28, 2020

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

Jul 21, 2020

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

Jul 17, 2020

Shadow Student Debt Report

This report examines the web of predatory schools and financial services firms that drive students to take on risky, high-cost shadow student debt.

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Reports

Jun 29, 2020

Disparate Debts: How Student Loans Drive Racial Inequality Across Cities

This report examines alarming racial disparities in student debt burdens and borrower distress across American cities.

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Reports

May 21, 2020

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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