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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.



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. ...
July 24, 2019 | By Shailaja Neelakantan | Education Dive
Outstanding student debt continues to grow, with some 43 million Americans owing a total $1.4 trillion in federal student loan debt alone.  The decade-long disinvestment in...
July 23, 2019 | By Sara Weissman | Diverse: Issues in Higher Education
Student loan debt is swelling for graduates across the country. But according to a new report, the crisis is hitting students of color the hardest – and widening the racial wealth gap in the...