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Julia Barnard


Julia Barnard is a researcher at the Center for Responsible Lending focusing on student lending and debt collection. Prior to CRL, Julia was a research associate at the Center for Community Capital at the University of North Carolina, where she conducted research on student lending, housing policy, and financial services. Previously, she was a community organizer for Texas Hillel Foundation and the editor-in-chief of the Carolina Planning Journal.

She holds a B.A. with highest distinction in History from the University of Kansas and a Masters in City and Regional Planning from UNC, where she was named Best Colleague by her graduating class. In her spare time, Julia enjoys reading and spending time with her friends and family.

Research & Policy

Our in-depth research of financial practices is intended to guide policymakers and opinion leaders working to improve the state of lending.



October 7, 2021 | By Charlene Crowell | The Washington Informer
“Extensive research has established that Black borrowers and other borrowers of color tend to have more difficulty in student loan repayment than their white peers because of past and ongoing racial...
July 12, 2021 | By Alexis Gravely | Inside Higher Ed
Notably, the department considered and mentioned the ownership of each of the institutions in its announcement. That hasn’t traditionally been done, said Julia Barnard, a researcher at the Center for...
March 17, 2021
California-based Oportun has filed the most debt collection cases in the state and sues to intimidate its mostly Latino customer base WASHINGTON, D.C. – A new report released today by the Center...
February 10, 2021
WASHINGTON, D.C. – Today, the Center for Responsible Lending (CRL) released an analysis that connects the dots between student loan default and delinquency rates among Black and Latino business...