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	<title>Student Loan Borrower Assistance &#187; Our Blog</title>
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	<link>http://www.studentloanborrowerassistance.org</link>
	<description>A Resource for Borrowers, their Families and Advocates</description>
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		<item>
		<title>Recent Changes to Federal Student Aid Programs</title>
		<link>http://www.studentloanborrowerassistance.org/2012/01/27/recent-changes-to-federal-student-aid-programs/</link>
		<comments>http://www.studentloanborrowerassistance.org/2012/01/27/recent-changes-to-federal-student-aid-programs/#comments</comments>
		<pubDate>Fri, 27 Jan 2012 16:51:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Federal student loans]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1733</guid>
		<description><![CDATA[Congress made a number of changes to the federal student aid programs at the end of 2011.  This legislation passed without much substantive debate because it was part of the budget process.  President Obama signed the legislaton on December 23, 2011 &#8230; <a href="http://www.studentloanborrowerassistance.org/2012/01/27/recent-changes-to-federal-student-aid-programs/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Operational Problems at the Department of Education:  What Is Going On?</title>
		<link>http://www.studentloanborrowerassistance.org/2012/01/26/operational-problems-at-the-department-of-education-what-is-going-on/</link>
		<comments>http://www.studentloanborrowerassistance.org/2012/01/26/operational-problems-at-the-department-of-education-what-is-going-on/#comments</comments>
		<pubDate>Thu, 26 Jan 2012 20:11:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Federal student loans]]></category>
		<category><![CDATA[IBR]]></category>
		<category><![CDATA[Rehabilitation]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1727</guid>
		<description><![CDATA[We wrote in December about operational breakdowns at the Department of Education, focusing on the Department’s failure to properly place borrowers in “forced consolidation” into IBR.  Shockingly, the Department has yet to fix this problem.  Department staff now tell us &#8230; <a href="http://www.studentloanborrowerassistance.org/2012/01/26/operational-problems-at-the-department-of-education-what-is-going-on/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2012/01/26/operational-problems-at-the-department-of-education-what-is-going-on/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Looking Back at 2011</title>
		<link>http://www.studentloanborrowerassistance.org/2011/12/19/looking-back-at-2011/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/12/19/looking-back-at-2011/#comments</comments>
		<pubDate>Tue, 20 Dec 2011 01:59:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Collection]]></category>
		<category><![CDATA[Federal student loans]]></category>
		<category><![CDATA[For-Profit schools]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1710</guid>
		<description><![CDATA[It seems that we were just looking back at 2010&#8230;.and yet another year has passed.  As we get ready for a holiday vacation at Student Loan Borrower Assistance Project, we offer a few thoughts on 2011: It was a year of &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/12/19/looking-back-at-2011/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Operational Breakdowns at the Department of Education</title>
		<link>http://www.studentloanborrowerassistance.org/2011/12/16/operational-breakdowns-at-the-department-of-education/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/12/16/operational-breakdowns-at-the-department-of-education/#comments</comments>
		<pubDate>Fri, 16 Dec 2011 21:22:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Consolidation]]></category>
		<category><![CDATA[Federal student loans]]></category>
		<category><![CDATA[Rehabilitation]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1706</guid>
		<description><![CDATA[A December 2011 article in the Chronicle of Higher Education reveals numerous problems with the Department of Education’s online system for managing student loans. Unfortunately, this is not news to our clients and other borrowers.  We have been pointing out operational &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/12/16/operational-breakdowns-at-the-department-of-education/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/12/16/operational-breakdowns-at-the-department-of-education/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Gaps in State Oversight of For-Profit Higher Education</title>
		<link>http://www.studentloanborrowerassistance.org/2011/12/01/gaps-in-state-oversight-of-for-profit-higher-education/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/12/01/gaps-in-state-oversight-of-for-profit-higher-education/#comments</comments>
		<pubDate>Thu, 01 Dec 2011 20:37:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[For-Profit schools]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1702</guid>
		<description><![CDATA[NCLC released a report today, “State Inaction:  Gaps in State Oversight of For-Profit Higher Education.”  The report examines state oversight of for-profit schools, focusing on state regulatory structures and the levels of resources devoted to enforcement and oversight. The Bad &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/12/01/gaps-in-state-oversight-of-for-profit-higher-education/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CFPB Seeks Comments on Private Student Loan Market</title>
		<link>http://www.studentloanborrowerassistance.org/2011/11/16/cfpb-seeks-comments-on-private-student-loan-market/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/11/16/cfpb-seeks-comments-on-private-student-loan-market/#comments</comments>
		<pubDate>Wed, 16 Nov 2011 21:57:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Private student loans]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1678</guid>
		<description><![CDATA[The Consumer Financial Protection Bureau (CFPB) announced today that it is seeking comments about the private student loan market.  The Bureau wants to hear from everyone: borrowers, their families, current students, advocates, lenders, servicers, and school officials.   You have 60 &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/11/16/cfpb-seeks-comments-on-private-student-loan-market/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Obama Administration&#8217;s Student Loan Proposals</title>
		<link>http://www.studentloanborrowerassistance.org/2011/10/28/obama-administrations-student-loan-proposals/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/10/28/obama-administrations-student-loan-proposals/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 18:48:22 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Consolidation]]></category>
		<category><![CDATA[Federal student loans]]></category>
		<category><![CDATA[IBR]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1636</guid>
		<description><![CDATA[President Obama announced a plan this week to help alleviate student loan burdens.   The President’s plan shows that the Administration is hearing the voices of struggling student loan borrowers.  It is a good step in providing some relief, but much more needs &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/10/28/obama-administrations-student-loan-proposals/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/10/28/obama-administrations-student-loan-proposals/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>State Relief for Proprietary School Abuses</title>
		<link>http://www.studentloanborrowerassistance.org/2011/10/27/state-relief-for-proprietary-school-abuses/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/10/27/state-relief-for-proprietary-school-abuses/#comments</comments>
		<pubDate>Thu, 27 Oct 2011 19:10:48 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Federal student loans]]></category>
		<category><![CDATA[For-Profit schools]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1633</guid>
		<description><![CDATA[State tuition recovery funds (STRFs) can be a valuable source of relief for defrauded students when a school is insolvent and when the student cannot obtain a federal discharge. STRFs contain deposits of money collected from schools approved to operate &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/10/27/state-relief-for-proprietary-school-abuses/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/10/27/state-relief-for-proprietary-school-abuses/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Measuring the Impact of Financial Literacy Programs</title>
		<link>http://www.studentloanborrowerassistance.org/2011/10/19/measuring-the-impact-of-financial-literacy-programs/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/10/19/measuring-the-impact-of-financial-literacy-programs/#comments</comments>
		<pubDate>Wed, 19 Oct 2011 16:15:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Federal student loans]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1607</guid>
		<description><![CDATA[We wrote previously about the dangers of promoting financial literacy efforts INSTEAD of regulating abusive credit products and INSTEAD of providing relief for financially distressed student loan borrowers.   We noted the shocking lack of evidence that financial literacy is effective. A &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/10/19/measuring-the-impact-of-financial-literacy-programs/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/10/19/measuring-the-impact-of-financial-literacy-programs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Profits and Education:  What About the Students?</title>
		<link>http://www.studentloanborrowerassistance.org/2011/09/23/profits-and-education-what-about-the-students/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/09/23/profits-and-education-what-about-the-students/#comments</comments>
		<pubDate>Fri, 23 Sep 2011 20:05:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Default]]></category>
		<category><![CDATA[For-Profit schools]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1597</guid>
		<description><![CDATA[Joe Nocera wrote in the New York Times last week that profits and education shouldn’t have to be such an ugly combination.  Nocera notes that defenders of the for-profit higher education industry are often ignored when they point out that &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/09/23/profits-and-education-what-about-the-students/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/09/23/profits-and-education-what-about-the-students/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Unemployment Deferment Self-Help Packet</title>
		<link>http://www.studentloanborrowerassistance.org/2011/09/08/new-unemployment-deferment-self-help-packet/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/09/08/new-unemployment-deferment-self-help-packet/#comments</comments>
		<pubDate>Thu, 08 Sep 2011 12:09:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Federal student loans]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1583</guid>
		<description><![CDATA[NCLC&#8217;s Student Loan Borrower Assistance Project posted a new self-help packet this week.  The unemployment deferment packet helps borrowers figure out whether they are eligible  for this deferment and if so, how to apply.  Only federal student loan borrowers with loans &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/09/08/new-unemployment-deferment-self-help-packet/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/09/08/new-unemployment-deferment-self-help-packet/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Creating a Fair Disability Discharge Process</title>
		<link>http://www.studentloanborrowerassistance.org/2011/09/02/creating-a-fair-disability-discharge-process/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/09/02/creating-a-fair-disability-discharge-process/#comments</comments>
		<pubDate>Fri, 02 Sep 2011 21:44:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Disability]]></category>
		<category><![CDATA[Federal student loans]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1577</guid>
		<description><![CDATA[We highly recommend Pro Publica’s latest article on student loan disability discharges.  In this article, Sasha Chavkin asked the Department of Education to clarify its position on the most critical disability discharge issue—Will the Department consider Social Security disability determinations &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/09/02/creating-a-fair-disability-discharge-process/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/09/02/creating-a-fair-disability-discharge-process/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Costs of Draconian Student Loan Collection</title>
		<link>http://www.studentloanborrowerassistance.org/2011/08/28/the-costs-of-draconian-student-loan-collection/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/08/28/the-costs-of-draconian-student-loan-collection/#comments</comments>
		<pubDate>Sun, 28 Aug 2011 15:51:04 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Collection]]></category>
		<category><![CDATA[Default]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1567</guid>
		<description><![CDATA[The Department of Education has unprecedented powers to collect defaulted student loans.  The agency can take tax refunds (even earned income tax credits), garnish wages without first getting judgments, and even seize portions of federal benefits such as Social Security.  There &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/08/28/the-costs-of-draconian-student-loan-collection/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/08/28/the-costs-of-draconian-student-loan-collection/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Reverse Redlining, Discrimination, and For-Profit Education</title>
		<link>http://www.studentloanborrowerassistance.org/2011/08/19/reverse-redlining-discrimination-and-for-profit-education/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/08/19/reverse-redlining-discrimination-and-for-profit-education/#comments</comments>
		<pubDate>Fri, 19 Aug 2011 19:58:11 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[For-Profit schools]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1558</guid>
		<description><![CDATA[Redlining is the practice of denying credit to particular neighborhoods on a discriminatory basis.  The flip side is reverse redlining, the practice of targeting these same communities or protected classes for predatory lending.  The creditor may not even offer better &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/08/19/reverse-redlining-discrimination-and-for-profit-education/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/08/19/reverse-redlining-discrimination-and-for-profit-education/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Student Loan Debt and Low-Income Borrowers</title>
		<link>http://www.studentloanborrowerassistance.org/2011/08/05/student-loan-debt-and-low-income-borrowers/</link>
		<comments>http://www.studentloanborrowerassistance.org/2011/08/05/student-loan-debt-and-low-income-borrowers/#comments</comments>
		<pubDate>Fri, 05 Aug 2011 20:04:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Our Blog]]></category>
		<category><![CDATA[Default]]></category>

		<guid isPermaLink="false">http://www.studentloanborrowerassistance.org/?p=1552</guid>
		<description><![CDATA[Student Loan Borrower Assistance Project Director Deanne Loonin recently spoke about student loan issues with Isaac Bowers, senior program manager at Equal Justice Works.  Here is an excerpt from that interview: &#8220;Student loan policy is generally developed with a focus on the &#8230; <a href="http://www.studentloanborrowerassistance.org/2011/08/05/student-loan-debt-and-low-income-borrowers/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
		<wfw:commentRss>http://www.studentloanborrowerassistance.org/2011/08/05/student-loan-debt-and-low-income-borrowers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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