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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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News Clips

Mar 24, 2026

Data show Trump economy squeezes Oregon credit card holders

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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 by students directly to institutions of higher education—and exploring potential policy solutions to better protect California students. Both…

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News Clips

Mar 20, 2026

A record 111 million Americans can’t pay their credit-card bills in full

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News Clips

Mar 20, 2026

Court Demands Student Loan Borrowers Pay More

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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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News Clips

Mar 19, 2026

Student Loan Office to Leave the Education Department

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News Clips

Mar 19, 2026

Trump administration looks to shift student-loan responsibilities to Treasury Department

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News Clips

Mar 19, 2026

If you have student loans, here’s what to know about Treasury move

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News Clips

Mar 19, 2026

Education Department To Move Student Loans To Treasury, Creating New Uncertainty For Borrowers

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

Biden-era SAVE student loan repayment plan has officially ended. Here’s what you need to know.

A record-breaking number of Americans can’t pay their credit card bills in full. Here’s how you can break the debt cycle

Trump Is Silencing Government Warning Signals of an Economic Crash

More Students Will Soon Need Private Loans. 40% Won’t Qualify, Study Finds

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

Data show Trump economy squeezes Oregon credit card holders

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

A record 111 million Americans can’t pay their credit-card bills in full

Court Demands Student Loan Borrowers Pay More

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

Student Loan Office to Leave the Education Department

Trump administration looks to shift student-loan responsibilities to Treasury Department

If you have student loans, here’s what to know about Treasury move

Education Department To Move Student Loans To Treasury, Creating New Uncertainty For Borrowers

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