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    • What We Do
    • Federal Student Loans
      • Delivering Debt Relief
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What We Do

We’re fighting the corrupt corporations and broken public programs that drive American families into debt.

When corporations weaponize debt and government looks the other way, our communities and families pay the price. We’re fighting this rigged system with every tool we’ve got—suing predatory lenders, overhauling broken programs, and mobilizing borrowers to demand change. From employer debt traps to algorithmic redlining to for-profit college scams, we’re taking on the debt-industrial complex piece by piece.

Here’s How

Federal Student Loans

Predatory Lending & Private Credit

Free College

Workplace Debt & Labor Exploitation

Public Corruption & Attacks on Public Power

Other Household Debt

Racial & Economic Justice

State & Local Projects

ABOUT US

Protect Borrowers (formerly Student Borrower Protection Center) is a team of experts, lawyers, and advocates fighting to build an economy where debt doesn’t limit opportunity.

We investigate financial abuses, take predatory companies to court, and push for policies to protect working people from debt traps. We aim to deliver immediate relief to families while building power and driving systemic change.

Learn More

Latest Work


  • Fact Sheets

    January 2026 Default Crisis Fact Sheet

    Learn more about the student loan default crisis.

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  • Investigations

    2025 Student Loan Default Crisis: State by State

    Protect Borrowers’ analysis shows that by the end of 2025, student loan borrowers had defaulted on debts totaling more than $92 billion—bringing the total number of borrowers whose debts meet the legal definition of a student loan default to nearly 9 million people nationwide.

    READ More


  • Letters & Memos

    Memo: Investigative Findings Related to California Colleges’ Continued Use of Unlawful Transcript Withholding Practices

    Protect Borrowers and The HERE Lab at the University of California, Merced released findings from a months-long investigation looking into the ongoing use of unlawful transcript withholding policies across California. The investigation found that despite this practice being prohibited for six years now, nearly ⅓ of public colleges and universities across the state continue to have policies that may subject students to unlawful transcript withholding.

    READ More


  • Reports

    2025 Protect Borrowers Highlights Report

    Check out our 2025 highlights!

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  • Fact Sheets

    Fact Sheet: Los Angeles Borrowers Experience Economic Hardship Across Demographics Due to Impending Student Loan Default Crisis and Systemic Chaos

    The fact sheet includes data showing how borrowers in the Los Angeles metropolitan area of California are experiencing economic hardship on the precipice of the impending student loan default crisis.

    READ More


  • Deep Dives

    Deep Dive: New Research Shows the Profound Impact of Debt on Perceptions of Higher Ed

    For the first time, a novel set of research investigates the perspectives of student loan borrowers in various repayment plans on key issues, including (1) the value of their higher education experience, (2) the educational threshold for financial security, and (3) their trust in loan servicers and the federal government concerning loan repayment information. 

    READ More

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