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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 Before the California Assembly Committee on Banking and Finance

    Seth Frotman’s testimony at the California Assembly hearing, The Consumer Financial Protection Bureau: An Examination of the CFPB under the current Federal Administration and Options for California to Protect its Consumers.

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  • Testimony of Seth Frotman Before the United States Congress House Financial Services Committee

    Seth Frotman’s testimony at the Congressional hearing, “Putting Consumers First? A Semi-Annual Review of the Consumer Financial Protection Bureau.”

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  • 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.

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  • Prepared Remarks for American Federation of Teachers Press Announcement

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

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  • 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


  • Fact Sheets, Reports

    Student Debt Delinquency Crisis Brief and Statewide Fact Sheets

    The following brief and fact sheets analyze the student debt delinquency crisis and its impacts on millions of students and borrowers in each state across the country.

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  • Letters & Memos

    Broken Promises Memo

    Since Trump took office, American families have been struggling and more are being pushed into debt just to make ends meet. This memo sheds light on the broken promises President Trump and his Administration have made to address the affordability crisis and the reality that American families have had to endure over the last year. Trump’s policies have fanned the flames of the affordability crisis, pushed costs even higher, and driven millions of…

    READ More


  • Blogs

    President Trump’s Broken Promises and the State of Americans’ Ballooning Debts as President Trump Talks Affordability in the State of the Union

    Since Trump took office, American families have been struggling and more are being pushed into debt just to make ends meet. This memo sheds light on the broken promises President Trump and his Administration have made to address the affordability crisis and the reality that American families have had to endure over the last year.

    READ More


  • Press Releases

    New Findings: Vast Majority of Working Families Live Paycheck-To-Paycheck and Growing Number Rely on Debt to Afford Essentials, AFT Member Survey Finds

    Survey of more than 7,500 AFT union members: over 1 in 3 unable to cover all monthly bills and over 1 in 2 financially worse off since Trump returned to office.

    READ More


  • Press Releases

    One Year After Trump’s Hostile Takeover of CFPB, Members of Congress, Workers, and Advocates Gather to Demand the Administration Put Borrowers Over Billionaires

    Trump attacks on the CFPB cost Americans at least $18 billion in 2025.

    READ More


  • Press Releases

    “Debt Cancellation for Big Banks?” Advocates Say Shuttering the Consumer Watchdog Lets Wall Street Off the Hook While Families Pay the Price

    A coalition of dozens veterans and national, state, and local nonprofit groups submitted an amicus brief to the U.S. Court of Appeals for the District of Columbia Circuit in NTEU v. Vought.

    READ More


  • 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


  • Press Releases

    On One-Year Anniversary of Trump Takeover of CFPB, Members of Congress, CFPB Union, and Advocates Hold Press Conference to Defend the Agency and Call for Trump Administration to Put Borrowers Over Billionaires

    Members of Congress joined the CFPB Union and advocates to hold a press conference to defend the CFPB at the Senate Swamp.

    READ More


  • Press Releases

    MOHELA Hit With Fresh Charges of Ongoing Student Loan Mismanagement

    AFT amends complaint in lawsuit against embattled student loan servicer; alleges MOHELA’s misconduct has been ongoing for years.

    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.

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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.

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