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The Earned Income Tax Credit (EITC) and the Child Tax Credit (CTC) are poised to lift record numbers of children and low-income workers out of poverty and to put money in the pockets of families unable to afford sufficient food or rent. But unless Congress acts, payments intended for millions of workers and children will…
COVID-19 has made cancellation a necessity for student loan borrowers, writes borrower advocates, including NCLC, and legal aid organizations in a brief submitted to the U.S. Supreme Court. By tailoring the student debt relief to reduce the prospect of widespread defaults upon a return to repayment, the Department acted well within its HEROES Act authority…
Read More about Brief in Biden v. Nebraska & Brown v. U.S. Department of Education
Effective November 17, 2022, the Department of Justice and Department of Education issued a Guidance that should allow bankruptcy debtors to be far more successful in obtaining an undue hardship discharge of their student loans. This brief explains the Guidance’s significance and the process for seeking a discharge of student loans.
Read More about New Process to Discharge Student Loans in Bankruptcy
Group letter to Congress supporting litigation related to student loans and financial aid.
Read More about Letter to Congress Urging Repeal of Tax on Pell Grants
The National Consumer Law Center, on behalf of its low-income clients, submitted the following comments in response to the Department of Education’s request for information on evaluating undue hardship claims in bankruptcy. We thank the Department for this opportunity, and we are hopeful that the Department will develop helpful guidance on the appropriate factors to…
The U.S. Department of Education refers every eligible defaulted debt to one of 22 private collection agencies. Despite the history of consumer abuses by the collection industry, the United States government hires collectors not only to collect money, but also to communicate with borrowers about options to address student loan debt and to help borrowers…