Student Loan Relief for ITT Students Part I: Two Options for Students Unable to Complete Their Programs
September 28, 2016
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On September 6, 2016, ITT announced that it was closing its campus doors, leaving tens of thousands of students across the country in the lurch. ITT students everywhere are figuring out what to do next. Although students will have a lot of individual considerations, there are tw
Continue Reading →You can now complain to the CFPB about your federal student loans (and you should!)
August 23, 2016
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Last week, the Consumer Financial Protection Bureau’s (“CFPB”) Student Loan Ombudsman released its midyear report analyzing complaints submitted directly by consumers about their student loans. Importantly, the CFPB’s Student Loan Ombudsman announced that it is
Continue Reading →Education Department Needs to Take a Deeper Look at Race and Student Loan Defaults
August 18, 2016
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Yesterday, NCLC and 39 others sent a letter to Secretary John King demanding that the Department of Education look at its loan data to determine the impact that student loan defaults have on student loan borrowers of color. In our letter, we asked the Department to collect and release
Continue Reading →Student Loan Debt Collectors Must Facilitate Borrowers’ Rights
July 27, 2016
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On a quiet Friday afternoon, just prior to the Fourth of July weekend, the U.S. Treasury Department released the first report on its student loan debt collection pilot program. Treasury launched this pilot program last year with the U.S. Department of Education (ED) to learn more abou
Continue Reading →Student Loans on Credit Reports
June 21, 2016
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Credit reporting is a confusing topic for all types of debt, but it is especially confusing for student loans. This is largely because there are so many different types of student loans and they are governed by so many different rules. For example, there are multiple types
Continue Reading →Time to Stop Taking the EITC to Pay for Defaulted Student Loan
May 17, 2016
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It has been one month since tax season came to an end. By now, many student loan borrowers have learned the hard way that the federal government will take their tax refund, including Earned Income Tax Credits (EITC), if they are in default on a federal loan. A couple of months a
Continue Reading →Education Department’s Plan to Protect Student Loan Borrowers
May 05, 2016
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Last week was full of announcements about student loans. The U.S. Department of Education (ED), along with the Consumer Financial Protection Bureau and the U.S. Department of Treasury, announced last week that it plans to take steps to improve consumer protections and enhance the stud
Continue Reading →NCLC and ACLU Sue Education Department for Race and Debt Collection Data
March 30, 2016
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Today the National Consumer Law Center and the ACLU’s Racial Justice Program filed a lawsuit against the Department of Education seeking the release of student loan debt collection information and race data. We sent a Freedom of Information Act (FOIA) request in May 2
Continue Reading →New Matching Program for Disabled Student Loan Borrowers
December 07, 2015
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We have been calling on the government for years to stop offsetting Social Security benefits of disabled student loan borrowers. Recipients of Social Security Disability (SSDI) payments generally qualify for disability discharges. Yet most do not know about the d
Continue Reading →Department of Education: Don’t Forget Borrowers with Disabilities and Grieving Parents
October 01, 2015
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Today, the Department of Education released a new report outlining a series of statutory, regulatory, and administrative recommendations in response to President Obama’s Student Aid Bill of Rights. There are some good recommendations for borrowers (e.g. see the recommendat
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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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