Give Older Student Loan Borrowers a Break
April 12, 2012
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A recent Washington Post article highlights the numbers of older individuals struggling with student loan debt. The Federal Reserve Bank of New York published new data showing that Americans 60 and older still owe about $36 billion in student loans. We have cautio
Continue Reading →Paying Attention to “Non-Traditional” Students
March 01, 2012
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The current debate about student loan debt generally spotlights the struggles of young college graduates. The image of a young adult, unable to find a job, maybe even moving back in with her parents, often comes to mind because this best fits our own experiences or bec
Continue Reading →Profits and Education: What About the Students?
September 23, 2011
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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 their higher student loan defa
Continue Reading →The Costs of Draconian Student Loan Collection
August 28, 2011
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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. &nb
Continue Reading →Student Loan Debt and Low-Income Borrowers
August 05, 2011
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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: “Student loan policy is generally developed with a f
Continue Reading →The Consequences of Student Loan Defaults
July 20, 2011
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Deanne Loonin, Director of NCLC’s Student Loan Borrower Assistance Project, spoke on a panel this week at the annual conference of the National Association of Student Financial Aid Administrators. Here are her more extended views on the session, “Student Borrowing:&n
Continue Reading →Denying the Rights of Low-Income Borrowers
March 24, 2011
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Imagine this scenario–Congress passes a new tax deduction that primarily benefits middle income Americans and the I.R.S. decides not to provide the benefit because their staff can’t figure out how to reprogram their computers. It’s hard to imagine because it is
Continue Reading →The Real Cost of Student Loan Defaults
February 16, 2011
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The debate about the costs of defaulted federal student loans has taken a very troubling turn. Confusing budget numbers seem to show that the government actually recovers more than it pays out on federal student loans. Jason Delisle of New America wrote an excellent articl
Continue Reading →Doing the Right Thing for Borrowers
August 29, 2010
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A recent experience highlights the ways in which so many borrowers in default run into brick walls when trying to enforce their rights. The twist to this experience is that it has a good ending. There is hope because in some cases, guaranty agencies or the Department
Continue Reading →When Will the Cycle End?
December 25, 2009
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The holiday season can be a time for reflection, so I am thinking back on the student loan borrower clients I have worked with this year. On the positive side, we have helped many borrowers manage their overwhelming student loan debt loads. I will write more ab
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Please understand that we do not provide legal advice about individual cases. This web site includes links to other resources for those who seek individualized legal advice or other help not offered here. This site is for people who already have student loans and want to know more about their options and rights.
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