Policy & Legal Issues

New Policy Developments: NCLC Files Comments to CFPB on Private Student Loans (January 2012) Department of Education Begins Student Loan Negotiated Rulemaking Sessions (January 2012) Obama Administration Announces New Student Loan Proposals (October 2011) Department of Education Releases Official FY 2009 Cohort Default Rates (September 2011) Department of Education FAQs about Gainful Employment Senator Durbin, Rep. Cohen and others Introduce Private Student Loan Bankruptcy Legislation (5/26/11)

POLICY BRIEFS

Higher Education Financing Priorities for 2011

Government Loan Discharges
Disability Discharges

Bankruptcy
Restore the Bankruptcy Fresh Start for Student Loan Borrowers

Default and Delinquency
Provide Full Rehabilitation Relief
Create a Meaningful Default Measurement

Collections
Restore a Fair and Reasonable Student Loan Statute of Limitations

Protect Social Security Recipients

Access to Justice for Student Loan Borrowers
Equity for Government Student Loan Borrowers

REPORTS AND STUDIES

State Inaction: Gaps in State Oversight of For-Profit Higher Education, December 2011
Report, Executive Summary, State-by-State Student Relief Chart, Press Release

Piling It On: The Growth of Proprietary School Loans And the Consequences for Students Report, Jan. 31, 2011

SLBA Brief on For-Profit Higher Education, Jan. 2010

Too Small to Help:  The Plight of Financially Distressed Private Student Loan Borrowers, April 9, 2009, PDF (399KB)

Income-Based Repayment: Making it Work for Student Loan Borrowers, July 2008

NCLC Report: Paying the Price: The High Cost of Private Student Loans and the Dangers for Student Borrowers, March 2008, PDF (331KB)

NCLC Report: Finding A Way Out: Improving the Assistance Network for Financially Distressed Student Loan Borrowers, December 2007, PDF (234KB)

NCLC Report: No Way Out: Student Loans, Financial Distress, and the Need for Policy Reform, June 2006

NCLC Report: Making the Numbers Count: Why Proprietary School Data Doesn’t Add Up and What Can Be Done About It, June 2005

NCLC COMMENTS AND TESTIMONY

FEDERAL STUDENT AID ISSUES

Comments on Notice of Proposed Information Collection Requests (September 8, 2011) Proposed Changes to Discharge Application: Total and Permanent Disability

Comments on Notice of Proposed Information Collection Requests, 76 Fed. Reg. 50189 (August 12, 2011) Proposed Employment Certification for Public Service Loan Forgiveness, September 8, 2011

Comments on Notice of Proposed Information Collection Requests, 76 Fed. Reg. 21337 (April 15, 2011) Proposed Employment Certification for Public Service Loan Forgiveness, June 2011

NCLC Recommendations for Department of Education Negotiated Rulemaking,  May 2011

SLBA Comments on Proposed Student Loan Rules, August 19, 2009 PDF (21KB)

FOR-PROFIT HIGHER EDUCATION ISSUES

Written Testimony of Deanne Loonin to the Massachusetts Joint Committee on Higher Education in Support of An Act to Form a Commission on For-Profit Schools, June 8, 2011

Comments on Program Integrity: Gainful Employment Proposed Rule, September 8, 2010

Comments to the Federal Trade Commission on Vocational School Guides, October 2009

PRIVATE STUDENT LOAN ISSUES

Comments to the Consumer Financial Protection Bureau on Request for Information Regarding Private Education Loans and Private Educational Lenders, Jan. 17, 2012

Letters supporting the Private Student Loan Bankruptcy Fairness Act of 2011 (Cohen) and the Fairness for Struggling Students Act of 2011 (Durbin) permitting dischargeability of private student loans, May 25, 2011

Testimony for the U.S. House of Representatives Committee on the Judiciary Subcommittee on Commercial and Administrative Law regarding “The Private Student Loan Bankruptcy Fairness Act of 2010”, April 22, 2010

SLBA and NACBA Testimony About Student Loans and Bankruptcy (U.S. House of Representatives),  September  2009

Comments on Federal Reserve Board Proposed Private Student Loan Disclosures, May 27, 2009 PDF (89KB)

GENERAL

Comments to the Department of Education on Program Integrity Issues Proposed Rules, August 2, 2010

SLBA Testimony About Program Integrity and Student Loan Reform, June 22, 2009 PDF (996KB)

Testimony: NCLC’s Higher Education Opportunity Act Recommendations, October 2008 PDF (116KB)

NCLC Comments and Testimony Archive

OTHER COMMENTS AND TESTIMONY

Protecting Taxpayers & Students: Incentive Compensation & Gainful Employment Regulations, April 2010

Q&A on Gainful Employment, April 2010

RECENT LEGISLATION

Health Care and Education Reconciliation Act of 2010 (Information from the Department of Education about this law)

Higher Education Opportunity Act (2008)

FOR MORE INFORMATION

U.S. Senate Committee on Health, Education, Labor and Pensions

U.S. House of Representatives Committee on Education and Labor