Our clients, and millions of others like them, take out student loans believing they are the key to a better future. But for many, that dream will never come to fruition because the student loan system is broken and has been broken for a very long time. Currently in the United States, nearly 45 million people owe more than $1.7 trillion on their student loans. Prior to the pandemic, roughly a quarter of federal borrowers were delinquent or in default on their loans.2 As I and my colleagues witness every day from low-income borrowers here in Massachusetts, borrowers often default because they do not understand how to navigate the federal student loan system and their loan servicers fail to provide them with accurate information.