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Student Loans

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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Monday, August 16, 2021

Response to the State Corporation Commission’s Order Requesting Additional Comments on Proposed Regulations to Implement Virginia’s New Student Loan Borrower Bill of Rights

From the introduction of the letter : The undersigned organizations representing Virginia consumers, students, student loan borrowers, and educators submit this comment in response to the State Corporation Commission’s (the “Commission”) July 9, 2021, Order Requesting Additional Comments (the “Order”) on proposed regulations to implement Virginia’s new Student Borrower Bill of Rights. The Commission specifically requested comments further addressing whether the new law and/or its implementing regulations implicate either federal preemption or intergovernmental immunity. The Commonwealth seeks...
Letters to Congress
Student Loans

Wednesday, June 23, 2021

Testimony: To Help Communities of Color and Spur Economic Recovery, Student Debt Cancellation Must be a Part of the Solution

From the testimony delivered by Julia Barnard at the Department of Education's June 23rd hearing: Good afternoon. My name is Julia Barnard, researcher and student loan team co-lead at the Center for Responsible Lending (CRL), a national advocacy organization focused on fighting predatory lending. I am here to deliver a statement on behalf of the Center for Responsible Lending. Even before COVID-19, student loan borrowers struggled under the weight of more than $1.6 trillion in debt. One in four borrowers was in default or serious delinquency, and many worried about their ability to make...
Testimony
Student Loans

Thursday, March 18, 2021

Poll: Minnesota Student Loan Borrowers During COVID-19 Pandemic

Key points from the poll results include: Download a one-page summary of the results. As a result of the COVID 19 crisis, payments have been paused for federal student loan borrowers nationwide until at least September 2021 Almost one in three 28 Minnesota borrowers are not confident that they will be able to resume payments on their student loans when they need to. Three quarters of MN student loan borrowers report that their student loans cause them stress Additionally, more than half of borrowers 59 report they would have trouble paying for an unexpected expense or are already falling...
Research
Student Loans

Thursday, February 18, 2021

Road to Relief: Supporting Federal Student Loan Borrowers During the COVID-19 Crisis and Beyond Supplement

Even before COVID-19, student loan borrowers struggled under the weight of more than $1.6 trillion in debt. One in four borrowers was in default or serious delinquency, and many worried about their ability to make student loan payments while covering other basic needs. Because of decades of structural inequities and discrimination, student loans have burdened Black and Latino borrowers more than other groups, and now these borrowers of color are also among those disproportionately harmed by COVID-19. Millions of lives were already stymied by student loan debt before the public health crisis...
Research
Student Loans

Monday, February 8, 2021

SBA Student Loan Restriction Impacts Black and Latino Business Owners Disproportionately

Over 800,000 self-employed people were behind on their student debt before the pandemic and may be ineligible or have the perception that they are ineligible for the relief they need to survive in a faltering economy. Because of structural inequities including racial wealth disparities, ongoing discrimination in the labor market, and inadequate funding for colleges that well serve higher numbers of students of color, Black borrowers and other borrowers of color carry more student debt and they have more difficulty paying it off. Acknowledgements: The Center for Responsible Lending (CRL)...
Research
Student Loans

Thursday, February 4, 2021

Coalition Applauds Bicameral Resolution Calling on Biden to Cancel $50K of Student Debt

The Center for Responsible Lending applauds Majority Leader Chuck Schumer, Senator Elizabeth Warren; Representatives Pressley, Adams, Bowman, Jones, Omar, and Torres; and Chairwoman Waters for their bicameral resolution urging President Biden to take executive action to cancel up to $50,000 in federal student loan debt using legal authorities already granted by Congress. Cancelling student debt will provide both immediate financial relief to millions of Americans and crucial economic stimulus for everyone during this protracted crisis. This action would also boost GDP and job creation at a...
Letters to Congress
Student Loans

Wednesday, February 3, 2021

Amicus Brief: McCoy Student Debt Bankruptcy Discharge

Today the Center for Responsible Lending (CRL) filed this brief in the Supreme Court in support of Thelma McCoy's petition to have the court take up undue hardship discharge for student debt in bankruptcy . Currently and for some time, different courts of appeal have split in how they interpret what is "undue hardship," with some courts taking a holistic "totality of the circumstances" approach and others following a rigid, demanding test known as the Brunner test. A number of courts representing some of the Blackest areas in the country such as the Fifth Circuit, have interpreted Brunner in...
Amicus Brief
Student Loans

Friday, January 15, 2021

Over 325 Orgs Call on President-Elect Biden to Cancel Federal Student Debt on Day One using Executive Action

328 undersigned community, civil rights, climate, health, consumer, labor, and student advocacy organizations wrote to urge President-Elect Biden and Vice President-Elect Harris to boost the economy, tackle racial disparities, and provide much-needed stimulus to help all Americans weather the pandemic and the associated recession by using executive authority to cancel federal student debt on day one of the new administration.
Letters to Congress
Student Loans

Thursday, December 3, 2020

Poll: North Carolina Student Loan Borrowers During COVID-19 Pandemic

Key points from the poll results include: Forty-five percent of NC student loan borrowers report a decrease in their household income since the onset of COVID-19, with the most severe impact hitting borrowers who earn less than $50,000 per year (55% reporting a decrease). Seventy-three percent of NC student loan borrowers report that their student loans cause them stress. Additionally, more than two-thirds of borrowers (69%) report they would have trouble with an unexpected emergency or are already falling behind in their finances. Almost one in four (24%) NC student loan borrowers is unaware...
Research
Student Loans

Monday, November 23, 2020

Road to Relief: Supporting Federal Student Loan Borrowers During the COVID-19 Crisis and Beyond

Even before COVID-19, student loan borrowers struggled under the weight of more than $1.6 trillion in debt. One in four borrowers was in default or serious delinquency, and many worried about their ability to make student loan payments while covering other basic needs. Because of decades of structural inequities and discrimination, student loans have burdened Black and Latino borrowers more than other groups, and now these borrowers of color are also among those disproportionately harmed by COVID-19. Millions of lives were already stymied by student loan debt before the public health crisis...
Research
Student Loans

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Building on Over 40 Years of Lending Experience

CRL’s expertise gives it trusted insight to evaluate the impact  of financial products and policies on the wealth and economic stability of Asian, Black, Latino, rural, women, military, low-wage, low-wealth, and early-career workers and communities.

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