Social Security

Feb 23, 2026

Testimony of Winston Berkman-Breen Before the NYC Council Committee on Consumer and Worker Protection

See here to read Winston Berkman-Breen’s February 23, 2026, testimony.

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Feb 20, 2026

NEW STUDY: Student Loan Delinquency Spikes to Record 25% Under Trump, Destroying Credit Scores and Locking Millions Out of Economy

Amid Affordability Crisis, Analysis Finds Delinquencies Now at 3X Pre-pandemic Rates; 1 in 5 Are in Default; Delinquent Borrowers Saw Credit Scores Plummet by 57 Points on Average February 20, 2026 | WASHINGTON, D.C. — New analysis of consumer credit data by The Century Foundation and Protect Borrowers reveals that the Trump administration’s assault on student borrowers has triggered an unprecedented nationwide delinquency and default crisis, with 1 in 4 borrowers now behind…

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Fact Sheets Reports

Feb 19, 2026

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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Blogs

Feb 19, 2026

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.

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Letters & Memos

Feb 19, 2026

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…

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Press Releases

Feb 18, 2026

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.

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Letters & Memos Polling

Feb 18, 2026

Fight for Affordability Memo and Survey Findings

Protect Borrowers partnered with the AFT to unveil the findings of a survey of more than 7,500 AFT union members, revealing the dire financial situations working families face under President Trump’s failed economic policies.

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Press Releases

Feb 9, 2026

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.

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Amicus Briefs

Feb 9, 2026

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.

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Press Releases

Feb 9, 2026

“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.

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Press Releases

Feb 6, 2026

As Millions of Working Families Drown in $1.2 Trillion in Credit Card Debt, Historic Coalition of Civil Rights, Labor Unions, Veterans, Consumer Protection, and Borrower Advocates Come Together to Call On Congress to Advance Legislation Capping Credit Card Interest Rates at 10%

An historic and diverse coalition of civil rights, labor unions, veterans, consumer protection, and borrower advocates sent an urgent letter to leaders on U.S. Senate and U.S. House committees calling on them to advance the 10 Percent Credit Card Interest Rate Cap Act of 2025.

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Letters & Memos

Feb 6, 2026

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.

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Press Releases

Feb 5, 2026

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.

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Reports

Feb 4, 2026

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.

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Press Releases

Feb 3, 2026

New Investigation Shines a Light on Predatory Creditors Capitalizing on Sky-High Rents With “Rent Now, Pay Later” Loans

Report from Protect Borrowers and Towards Justice pulls curtain back on predatory short-term, high-cost loans marketed to Americans struggling to pay high rents.

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Press Releases

Jan 21, 2026

At Davos, Trump Pays Lip Service to 10% Credit Card Interest Rate Cap; Advocates Demand Action

Families continue to struggle under record-high credit card rates as cost-of-living soars.

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Blogs

Jan 20, 2026

Trump Credit Cards? Another Bank Handout, Just in Time for TACO Tuesday (Trump Always Chickens Out)

New analysis shows millions of Americans, including a disproportionate share of Trump voters, will miss out on debt relief if Trump trades rate caps for bankers’ empty promises.

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Press Releases

Jan 16, 2026

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.

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Press Releases

Jan 16, 2026

Amidst Growing Affordability Crisis, Trump Administration Abandons Plans to Subject Millions of Borrowers and Their Families to Draconian Forced Collections

Announcement comes days after advocates call on Administration to halt wage garnishment.

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Press Releases

Jan 13, 2026

Advocates Release PSA for Student Loan Borrowers: The Government May Seize Your Tax Refund

Borrowers advised to “Dial Before You File” to know if their loans are in default and their refund is at risk.

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Testimony of Winston Berkman-Breen Before the NYC Council Committee on Consumer and Worker Protection

NEW STUDY: Student Loan Delinquency Spikes to Record 25% Under Trump, Destroying Credit Scores and Locking Millions Out of Economy

Student Debt Delinquency Crisis Brief and Statewide Fact Sheets

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

Broken Promises Memo

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

Fight for Affordability Memo and Survey Findings

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

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

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

As Millions of Working Families Drown in $1.2 Trillion in Credit Card Debt, Historic Coalition of Civil Rights, Labor Unions, Veterans, Consumer Protection, and Borrower Advocates Come Together to Call On Congress to Advance Legislation Capping Credit Card Interest Rates at 10%

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

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

Rent Now, Pain Later Report

New Investigation Shines a Light on Predatory Creditors Capitalizing on Sky-High Rents With “Rent Now, Pay Later” Loans

At Davos, Trump Pays Lip Service to 10% Credit Card Interest Rate Cap; Advocates Demand Action

Trump Credit Cards? Another Bank Handout, Just in Time for TACO Tuesday (Trump Always Chickens Out)

MOHELA Hit With Fresh Charges of Ongoing Student Loan Mismanagement

Amidst Growing Affordability Crisis, Trump Administration Abandons Plans to Subject Millions of Borrowers and Their Families to Draconian Forced Collections

Advocates Release PSA for Student Loan Borrowers: The Government May Seize Your Tax Refund

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