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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 13, 2020
Debt collectors too often lack sufficient documentation to prove ownership of debt Greater enforcement and stronger laws needed to protect California consumers OAKLAND, CALIF. – A new report...
May 12, 2020
“A majority of Americans across all regions of the U.S. support permanently reducing student loan debt by $20,000 for all borrowers.” WASHINGTON, D.C. - The Center for Responsible Lending (CRL)...
August 20, 2019
Policies Should Prioritize Quality and Accountability, Not Allow Unmanageable Debt to Weigh Down Families and NC Economy DURHAM, NORTH CAROLINA – In a comprehensive analysis of North Carolina-...
July 25, 2019 | By Susan Tompor | Detroit Free Press
Student loan debt is no doubt a drag on the U.S. economy, holding back how much money young consumers can spend on cars, homes and even invest in 401(k) plans or new businesses. ...