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  1. What We Do
  2. Federal Student Loans

Federal Student Loans

Student debt should never be a lifelong burden.

For decades, policymakers and giant student loan companies like MOHELA have rigged the system: denying borrowers rightful relief under programs like Public Service Loan Forgiveness (PSLF) and Income-Driven Repayment (IDR). Even with extremists in power, we can still defend borrowers from attempts to sabotage existing relief programs, make servicing companies follow the rules, and expose predatory practices that keep people in debt.

We’ve already secured nearly $190 billion in debt cancellation by forcing elected officials to keep their promises—and we won’t stop until the system works for borrowers, not profiteers.


What We’re Doing

Fighting for debt relief

We helped secure nearly $190 billion in cancellation for 5 million borrowers by demanding programs like Income-Driven Repayment deliver on their promises, and fighting to expand these key protections.

Protecting PSLF

Federal law promises that if you dedicate your career to public service, your student loans will be cancelled after 10 years. We are fighting to make sure the Trump Administration keeps this promise.

Exposing abuses

We investigate student loan companies like MOHELA and report on servicing failures, improper denials of debt relief, deception, and more. We leverage this insight to force the government at every level to use oversight tools to ensure companies are held accountable.

By The Numbers

Nearly $190 Billion

Nearly $190 billion in student debt cancelled for 5M borrowers.

1 million+ borrowers

PSLF fixes for 1M+ teachers, nurses, and other public service workers.

17 Million+ BORROWERS

17 million+ borrowers protected through stronger state laws.

Featured Work

Our Testimony

  • Testimony of Seth Frotman Before the Community Service Society of New York

    Seth Frotman gives remarks on the role advocacy organizations and foundations can play in ending the student debt crisis.

    READ More

  • Prepared Remarks for American Federation of Teachers Press Announcement

    Statement by Seth Frotman as American Federation of Teachers announced its landmark lawsuit against Navient.

    READ More

  • Financing the Future: The Law and Politics of Student Debt in American Higher Education

    Keynote remarks by Seth Frotman at the Utah Law Review’s symposium on student debt.

    READ More

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Latest Work


  • Press Releases

    Thanks to Trump CFPB’s Actions, More Than $360 Million Owed to Americans is at Risk, New Investigation Reveals

    A joint Consumer Federation of America and SBPC investigation reveals more than $360 million in redress owed to Americans is at risk due to actions taken by the Trump-led CFPB.

    READ More


  • Letters & Memos

    Memo: More than $360 Million Owed to Consumers from Trump CFPB Enforcement Actions is Already Gone or At Risk

    A new analysis from the Consumer Federation of America and SBPC reveals that at least $360 million in compensation for people harmed by corporate illegal conduct has already been pulled back or could be taken from the American people.

    READ More


  • Blogs

    What Students and Borrowers Need to Know Now that President Trump’s “One Big Terrible Bill” is Law

    President Trump signed the “One Big Terrible Bill” into law, making over $300 billion cuts to critical higher ed and financial aid programs, raising costs and making the system harder to navigate. This blog helps answer some questions students and borrowers are asking right now.

    READ More


  • Press Releases

    Advocates Applaud Senate Effort to Hold Secretary McMahon Accountable for Burying Working Families with Student Debt in $27 Billion Unnecessary Interest Charges

    As inflation spikes, SBPC unveils a new state map highlighting how much the Trump Administration’s decision to resume interest will cost working families across each state.

    READ More


  • Blogs

    Sham PSLF Neg Reg: Harmful, Horrific, and Illegal

    ED held a Neg Reg session to codify Trump’s March executive order calling on ED to limit PSLF eligibility for public service workers employed at organizations or state/local governments doing work that conflicts with the Administration’s right-wing agenda. Amy Czulada was in the room—read her firsthand account.

    READ More


  • Blogs

    Pell Grants for Diploma Mills? The Republican Budget Bill Could Bankroll Some of the Shadiest Short-Term Training Programs

    Since the beginning of the second Trump Administration, the EdTech industry has been conspicuously silent as its college and university clients face escalating financial and ideological attacks. One reason for this deafening silence could be the industry’s anticipation of supercharged access to federal education funds now that the Republican-controlled Congress has passed its massive budget reconciliation bill.

    READ More


  • News Clips

    How Trump Wants to Reshape a Major Student Loan Forgiveness Program—and Who Could Be Impacted

    “If the proposed changes take effect, the Secretary of Education will be able to disqualify millions of borrowers from PSLF as retribution for their employers’ actions, even if those actions are legal,” Winston Berkman-Breen, legal director at the Student Borrower Protection Center, a nonprofit advocating for student loan forgiveness, wrote in a statement to TIME.

    READ More


  • Press Releases

    Trump Administration to Restart Student Loan Interest Charges for Nearly 8 Million Borrowers, Borrowers Will Face More than $3500 Per Year in New Charges

    New analysis of Trump policy projects borrowers will pay $27 billion in unnecessary interest charges per year as millions remain unable to access legal rights to affordable loan payments.

    READ More


  • Letters & Memos

    Memo: More Broken Promises to Working Families with Student Debt

    ED Secretary McMahon instructed student loan companies to begin charging interest to nearly 8 million student loan borrowers trapped in the SAVE forbearance. This memo analyzes the financial harm the Trump Admin will cause these borrowers and the broader economy as a result.

    READ More

In The Field

In The News

EXPLORE OUR OTHER WORK

PREDATORY LENDING & PRIVATE CREDIT

We believe that opportunity should not come with a lifetime of debt. We are fighting to hold private companies accountable, demanding justice for families, and rewriting the rules that shape how private credit is extended, serviced, collected, and reported across the economy.

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FREE COLLEGE

It’s time to deliver a truly public, debt-free system and accountability for those who profit off the status quo, deny opportunity, and push borrowers further into debt.

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WORKPLACE DEBT & LABOR EXPLOITATION

Every year, tens of millions of Americans leave their jobs. But for many of them, this can come with a surprise: a bill. That’s because more employers are relying on “stay-or-pay” contracts to trap workers, requiring them to pay a penalty if they leave a job. If left unchecked, stay-or-pay contracts have the potential to leave workers buried in debt just for taking a better opportunity or for having to quit a job to navigate personal hardship.

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Public Corruption & Attacks On Public Power

Working families’ last defense against debt traps is often the federal agencies responsible for holding corporations accountable and enforcing the rules that govern our economy. Protect Borrowers will continue to expose public corruption and aggressively pursue the officials responsible for looting the federal government to the benefit of billionaires and the biggest corporations.

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RACIAL & ECONOMIC JUSTICE

We are dedicated to ensuring that marginalized communities are protected from mistreatment by the loan industry. We have investigated and reported on predatory actors who attempt to take advantage of underserved communities. Through innovative advocacy and the novel application of legal tools, Protect Borrowers is working to address discrimination in the market and demonstrate how protecting borrowers is critical to advancing racial equity and economic justice.

Learn More
STATE & LOCAL PROJECTS

We support state and local efforts to ensure we have a safe and well-regulated economy that works for everyone across the country by helping legislatures enact new laws, providing technical assistance as agencies implement and enforce these laws, and training local offices to provide services to their communities.

Learn More

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