Student Loans

Student loans create debt burdens that impact families for generations. Black Americans in general, and Black and Latina women in particular -- often are forced to take on more college debt than their white counterparts in pursuit of the American Dream. The student debt burden is felt most acutely by attendees of Historically Black Colleges and Universities. CRL successfully led a coalition of advocates that achieved substantial student debt cancellation in 2022. We continue to advocate for higher education policies to protect student loan borrowers and their parents from falling into a cycle of debt that keeps them from engaging in wealth-building activities. 

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Loopholes in the Department of Educations' Proposed Rule on State Authorization of Postsecondary Distance Education Programs

Loopholes in the Department of Educations' Proposed Rule on State Authorization of Postsecondary Distance Education Programs

We are encouraged that the Department's proposal would generally require all providers of distance education to obtain state authorization in each state where they intend to enroll students. However, we have concerns that distance education students could still be subject to weaker protections under the proposed rule, for the following reasons: The proposal would permit state authorization through the use...
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Comment Letter
Student Loans

Sign-On Letter to Secretary of Education August 2016

Sign-On Letter to Secretary of Education August 2016

This letter, on behalf of the National Consumer Law Center’s low-income clients, along with a coalition of national, state and local civil legal aid, civil rights, and public interest groups and advocates, calls for the need for data to ensure that the federal student loan program is a tool that helps students of color access a meaningful education and achieve...
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Letters to Congress
Student Loans

Improvements to the Borrower Defense to Repayment Provision of the Higher Education Act

Improvements to the Borrower Defense to Repayment Provision of the Higher Education Act

This letter suggests improvements to the rule that would amend the Borrower Defense to Repayment provision of the Higher Education Act (HEA) in order to ensure that students and taxpayers will not have to bear the economic burdens that arise when higher learning institutions make misrepresentations and fail to provide an adequate education to students. CRL applauds the Department for...
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Comment Letter
Student Loans

NC Student Loan Calculus: What North Carolina Can Do to Ensure All of Its Students Receive an Affordable, Quality College Education

NC Student Loan Calculus: What North Carolina Can Do to Ensure All of Its Students Receive an Affordable, Quality College Education

The topic of student loan debt is increasingly gaining public attention. Too often, assumptions about debt are made that hide the real contours of the problem. For example, simply citing aggregated student loan debt loads at a state or national level suggests that every student loan borrower is the same– with identical financial backgrounds, borrowing to attend similar institutions, and...
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Research
Student Loans

Testimony of Lisa Stifler Before Connecticut Higher Education and Employment Advancement Committee

Testimony of Lisa Stifler Before Connecticut Higher Education and Employment Advancement Committee

This written testimony shares our work and insight into the subject of Raised Bill 5071, a bill that has the potential to cause significant harm to Connecticut residents seeking distance education opportunities. Two of key the consequences of the Uniform State Authorization Reciprocity Agreement (SARA) are: Elimination of local, state-centered control over distance education in the state Holding distance education...
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Testimony
Student Loans

Support for the Proposed Enterprise Complaint System

Support for the Proposed Enterprise Complaint System

This letter is in response to the Department of Education's request for comments on the proposed Enterprise Complaint System ("ECS"). As advocates for students, consumers, veterans, faculty and staff, civil rights and college access, the signees believe the systematic tracking and reporting of student and borrower complaints is essential to providing quality customer service, ensuring college and loan servicer and...
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Letters to Congress
Student Loans

Coalition Letter to NCUA July 2015

Coalition Letter to NCUA July 2015

On July 30, 2015, the Center for Responsible Lending joined Higher Ed Not Debt, Consumers Union, Consumer Action, Generation Progress, National Consumer Law Center, Student Debt Crisis, United States Student Association, Veterans for Education Success, and the Woodstock Institute in sending this letter to Debbie Matz, Chairman of the National Credit Union Administration. The letter concerns private student loans to...
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Comment Letter
Student Loans
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