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Joanna K. Darcus is the Massachusetts Legal Assistance Corporation Racial Justice Fellow at NCLC. Joanna represents low-income student loan borrowers of color, using advocacy and litigation to address predatory education and lending practices. Prior to joining NCLC, Joanna was a supervising attorney at Community Legal Services, Inc. of Philadelphia. While there, she represented hundreds of low-income consumers sued by debt collectors or struggling with student loans. She also trained other advocates and pursued policy reforms. Joanna is a graduate of Williams College and Duke University School of Law. She is a contributor to NCLC's Student Loan Law, Truth in Lending, and Fair Debt Collection.