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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


  • Amicus Briefs

    Amicus Brief to the U.S. Court of Appeals for the District of Columbia Circuit in NTEU v. Vought

    Protect Borrowers joined a coalition of dozens of veterans and national, state, and local nonprofit groups in submitting an amicus brief(PDF file) to the U.S. Court of Appeals for the District of Columbia Circuit in NTEU v. Vought, a case challenging efforts by Acting Director Russell Vought and the Trump Administration to shutter the CFPB.

    READ More


  • Letters & Memos

    Coalition Letter to U.S. Senate and House Committees Urging Advancement of the 10 Percent Credit Card Interest Rate Cap Act of 2025

    A diverse coalition sent a letter to leaders on the U.S. Senate and House committees calling on them to advance S. 381/H.R. 1944, the 10 Percent Credit Card Interest Rate Cap Act of 2025.

    READ More


  • Reports

    Rent Now, Pain Later Report

    Protect Borrowers and Towards Justice document predatory short-term, high-cost loans marketed to Americans struggling to pay high rents.

    READ More


  • Fact Sheets

    January 2026 Default Crisis Fact Sheet

    Learn more about the student loan default crisis.

    READ More


  • 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

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