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Blogs

Apr 23, 2026

Who Protects Students When the School Is the Lender?

Trump’s changes to higher ed finance expose more risks.

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Blogs

Apr 16, 2026

“File Now, Pay Later” is Everything Broken in Our Economy

The case for a BNPL Bill of Rights.

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Apr 15, 2026

Fact Sheet: Tulsa, Oklahoma Student Debt Crisis

Read our latest fact sheet.

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Press Releases

Apr 9, 2026

ICYMI: Little Hoover Commission Convenes Historic Hearing on California Institutional Debt Crisis Locking Students Out of a Higher Education

Bipartisan, independent citizens-legislative commissioners express grave concerns over lack of transparency, accountability, and consumer protections in underregulated institutional debt crisis.

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Blogs

Apr 9, 2026

A Requiem for Price Controls in Higher Ed

People cheer for bad policy, show off their bad judgment.

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Comments

Apr 8, 2026

Comment Submitted to U.S. Department of Education on Workforce Pell for Short-Term Programs for AHEAD Negotiated Rulemaking

Protect Borrowers’ submitted comment on proposed Workforce Pell regulations in response to ED’s AHEAD NPRM.

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Blogs

Mar 31, 2026

Access Denied: New Report Reveals 40% of Americans Are Locked Out of the Private Student Loan Market

Reforms passed last year will leave hundreds of thousands of students needing private student loans, but many will not be able to get them. New research finds that underwriting requirements will block 40 percent of Americans from private student loans. The promise that private loans will fill gaps isn’t just overstated: it’s empty.

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Press Releases

Mar 31, 2026

New Study Warns That 40% of Americans—Including Nearly Two-Thirds of Pell Grant Recipients—Cannot Qualify for a Traditional Private Student Loan

A study published by Protect Borrowers and The Century Foundation warns that more than 40% of U.S. college students—including nearly two thirds of Pell Grant recipients—would not qualify for a traditional private student loan.

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Reports

Mar 31, 2026

Access Denied: How 40% of Americans Are Locked Out of the Private Student Loan Market

Protect Borrowers and The Century Foundation released a startling joint report revealing that over 40 percent of Americans would likely be denied access to loans from the vast majority of traditional private and state-affiliated lenders.

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Press Releases

Mar 26, 2026

Little Hoover Commission Convenes Historic Hearing on Institutional Debt Crisis Across California

Experts testified before the Little Hoover Commission’s hearing entitled, “Student Debt to California Colleges and Universities.” The historic hearing marks the first time the Commission is investigating the growth of institutional debt and exploring potential policy solutions to better protect students across California.

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Testimony & Remarks

Mar 26, 2026

Witness Testimonies Before the Little Hoover Commission’s Public Hearing on Institutional Debt in California

Written witness testimonies of Aissa Canchola Bañez, Samantha Seng, Professor Dalié Jiménez, and Associate Professor Charlie Eaton before the Little Hoover Commission’s first ever public hearing on institutional debt in California.

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Press Releases

Mar 23, 2026

Hearing Advisory: Little Hoover Commission to Hold First Ever Hearing on Institutional Debt Crisis Across California, Experts to Testify

Advisory for Thursday, March 26, 2026 SACRAMENTO, CA — On Thursday at 9:30 AM PT, students, borrower advocates, and academic experts will provide testimony before the Little Hoover Commission’s hearing entitled, “Student Institutional Debt in California.” The historic hearing marks the first time the independent citizens-legislative commission is investigating the growth of institutional debt—debt owed […]

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Press Releases

Mar 19, 2026

ED Plan to Unlawfully Transfer Student Loan System, Starting with Default Collections, to Treasury is Irresponsible, Reckless, and Bad News for Borrowers

This move will cause even more confusion about a student loan system that has been fraught with unprecedented disruptions and instability.

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Blogs

Mar 19, 2026

‘I Broke It, YOU Buy It’: On Linda McMahon’s Reported Plan to Move Student Loan Collections From ED to Treasury

22 questions for Treasury Secretary Scott Bessent.

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Reports

Mar 17, 2026

Interest Nation: The State of America’s Credit Card Debt Crisis

This joint report by The Century Foundation and Protect Borrowers reveals how President Trump’s affordability crisis is pushing millions of American families further into credit card debt. The report analyzes consumer credit panel data which shows that over 40 percent of U.S. adults (and roughly half of all active credit card holders) cannot afford to pay off their credit card bills each month, exposing them to sky-high interest rates.

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Press Releases

Mar 17, 2026

NEW ANALYSIS: More Than Half of Credit Cardholders Are Carrying Debt Month-to-Month at Crushing Interest Rates As Trump’s Affordability Crisis Worsens

A report from The Century Foundation and Protect Borrowers reveals that 111 million Americans are getting crushed by credit card bills with sky-high interest rates.

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Press Releases

Mar 13, 2026

Amidst Unprecedented Disruptions and Chaos Within Student Loan System, Government Watchdog Report Sheds Light on How Mass Layoffs Put Borrowers At Greater Risk of Servicer Errors

GAO report shows ED layoffs resulted in scaled back oversight of student loan servicers, increasing risks of servicing errors, less servicer accountability.

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Press Releases

Mar 12, 2026

Following Reports of “Bilt Card 2.0” Meltdown, Advocates Call on the Trump CFPB to Protect Borrowers, Warn Congress of Risks to Renters

Bilt’s embrace of agentic AI to provide customer service highlights emerging risks, challenges for enforcement officials as borrowers allege doom-loops, detours, and dead-ends.

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Letters & Memos

Mar 12, 2026

Bilt 2.0 Supervision Letter and Customer Complaint Catalog

Protect Borrowers sent an urgent letter to the CFPB warning of the new “Bilt 2.0” credit card risks and the need for risk-based supervision. We also compiled a catalog of public reviews of Bilt 2.0 showcasing issues with missed rent and outrage with customer service.

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Testimony & Remarks

Mar 11, 2026

Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy

See here to read Chris Hick’s March 11, 2026, testimony.

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Social Security

Who Protects Students When the School Is the Lender?

“File Now, Pay Later” is Everything Broken in Our Economy

Fact Sheet: Tulsa, Oklahoma Student Debt Crisis

ICYMI: Little Hoover Commission Convenes Historic Hearing on California Institutional Debt Crisis Locking Students Out of a Higher Education

A Requiem for Price Controls in Higher Ed

Comment Submitted to U.S. Department of Education on Workforce Pell for Short-Term Programs for AHEAD Negotiated Rulemaking

Access Denied: New Report Reveals 40% of Americans Are Locked Out of the Private Student Loan Market

New Study Warns That 40% of Americans—Including Nearly Two-Thirds of Pell Grant Recipients—Cannot Qualify for a Traditional Private Student Loan

Access Denied: How 40% of Americans Are Locked Out of the Private Student Loan Market

Little Hoover Commission Convenes Historic Hearing on Institutional Debt Crisis Across California

Witness Testimonies Before the Little Hoover Commission’s Public Hearing on Institutional Debt in California

Hearing Advisory: Little Hoover Commission to Hold First Ever Hearing on Institutional Debt Crisis Across California, Experts to Testify

ED Plan to Unlawfully Transfer Student Loan System, Starting with Default Collections, to Treasury is Irresponsible, Reckless, and Bad News for Borrowers

‘I Broke It, YOU Buy It’: On Linda McMahon’s Reported Plan to Move Student Loan Collections From ED to Treasury

Interest Nation: The State of America’s Credit Card Debt Crisis

NEW ANALYSIS: More Than Half of Credit Cardholders Are Carrying Debt Month-to-Month at Crushing Interest Rates As Trump’s Affordability Crisis Worsens

Amidst Unprecedented Disruptions and Chaos Within Student Loan System, Government Watchdog Report Sheds Light on How Mass Layoffs Put Borrowers At Greater Risk of Servicer Errors

Following Reports of “Bilt Card 2.0” Meltdown, Advocates Call on the Trump CFPB to Protect Borrowers, Warn Congress of Risks to Renters

Bilt 2.0 Supervision Letter and Customer Complaint Catalog

Testimony of Chris Hicks Before the MN House Committee on Workforce, Labor, and Economic Development Finance and Policy

EXPLORE MORE