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, especially as it relates to low-income borrowers and borrowers of color. 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 playing the piano, reading, modern performance and visual art, and spending time with her friends and family.