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USA Today: Student loan borrowers in default now able to keep tax refunds
Originally appearing in the Detroit Free Press on Jan. 22, 2026, Susan Tompor talks to Abby Shafroth, managing director of advocacy at the National Consumer Law Center about how millions of student loan borrowers in default risked seeing their wages garnished and tax refunds seized. Student loan borrowers are “buckling under the weight of outdated…
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Delivering Distress to Borrowers in Default
This paper starts by grounding readers in the consequences of student loan default, who is in default and why, and why so many borrowers remain in default for years. It then identifies legal authority, under existing regulations, that empowers the Secretary of Education to compromise student loan debts and so end collection from defaulted borrowers where such efforts would be futile or unreasonable. Now—before the suspension of federally-held student loan collection ends next year—is the time to act on that authority.
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Comments on Proposed Income-Driven Repayment Plan Request Form for Federal Student Loans
NCLC submitted comments to the U.S. Department of Education recommending changes to its proposed new application form for federal student loan Income-Driven Repayment (IDR) plans. Our comments identify incorrect information on the form about plan eligibility requirements and recommend changes to ensure that the IDR Request Forms – and perhaps more importantly, the systems for…
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NCLC Launches New Video Series for Student Loan Borrowers
Videos explain borrowers’ repayment options as rapid changes in policy, funding create confusion.
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Student Loan Toolkit Helps Borrowers Manage Repayment
The Student Loan Toolkit explains the basics of the student loan system, how to assess your own student loan situation, and your options for managing your student loan debt.
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A $1.5 Trillion Crisis: Protecting Student Borrowers and Holding Student Loan Servicers Accountable
Testimony of Persis Yu before the U.S. House of Representatives Committee on Financial Services.
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3.5 Million Older Americans Have Over $125 Billion in Student Loans
NCLC and New America Foundation Identify Policy Solutions to Reduce the Impact of Student Debt on Older Adults
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