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    • Federal Student Loans
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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

Borrowers Not Billionaires - Rally To Defend CFPB -On February 09, 2026 in Washington, DC. (Photo by Jemal Countess/Getty Images for Protect Borrowers) - signs read "Borrowers Not Billionaires" "CFPB Works For You" "Solidarity" and more

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


  • Letters & Memos

    Memo: Creating Offices of Supervision Policy in State Financial Regulators

    This memo proposes that states should create offices of supervision policy within their existing financial regulators to fill the regulatory gap left by the federal government.

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  • Fact Sheets

    Snapshot of Michigan Families’ Debts: As Costs Climb, Michigan Families Struggle with Record Levels of Credit Card, Student Loan, Car Loan, and Utility Debt

    See our fact sheets and reports on household debt in Michigan.

    READ More


  • Reports

    The Worst of Both Worlds: An Investigation of State Student Loan Lending

    Check out our investigation into the current state-based student loan market.

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  • Polling

    Poll: 4 in 10 Voters Use BNPL, Including on Essentials Like Groceries and Housing

    4 in 10 voters use BNPL, including on essentials like groceries and housing.

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  • Reports

    A Loan in Every Cart: How BNPL Lenders Take Advantage of Americans’ Financial Desperation and the Case for a BNPL Borrower Bill of Rights

    Protect Borrowers’ new investigation into the growing BNPL market as families are increasingly turning to BNPL loans to pay for necessities. Released alongside the report is polling on American voters’ experiences with BNPL products.

    READ More


  • Fact Sheets

    Credit Card Debt Crisis State Fact Sheets

    State-by-state breakdown of how credit card debt is growing in all 50 states.

    READ More

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