Federal Student Loans

Student Loan Borrower Assistance Project

Over the years there have been a number of changes to the federal student loans offered to borrowers, and only some loans qualify for certain benefits and programs. NCLC’s Student Loan Borrower Assistance Project can help you figure out what type of federal loan you have.

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Student Loan Help Video Series

June 30, 2025

Student loan borrower help video series explains repayment options as rapid changes in policy, and funding create confusion.

Student Loan Toolkit

May 20, 2024

New Federal Student Loan Servicing Contracts, New Promises: Will it Make a Difference for Borrowers?

February 15, 2024

Recent

Comments & Letters

Reports

Issue Briefs

Testimony

Press Releases & News

Recent

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NCLC Launches New Video Series for Student Loan Borrowers

July 1, 2025

Low-Income Communities Hit Hard as Senate Passes Brutal Reconciliation Bill

July 1, 2025

Student Loan Help Video Series

June 30, 2025

Comments on Income-Driven Repayment Application

June 9, 2025

Organizations Urge Congress Not To Cut Pell Grants

June 6, 2025

Department of Education Delays Plan to Seize Social Security Benefits to Collect on Defaulted Student Loans

June 3, 2025

Comment to Department of Education re: Intent to Establish Rulemaking Committee on IDR and PSLF

May 5, 2025

House Republicans Propose Major Cuts to Student Loan and Pell Grant Programs

April 30, 2025

Letter to Members of Congress to Protect Protections and Relief Programs for Student Loan Borrower

April 8, 2025

Comments & Letters

View All for Comments & Letters

Comments on Income-Driven Repayment Application

June 9, 2025

Organizations Urge Congress Not To Cut Pell Grants

June 6, 2025

Comment to Department of Education re: Intent to Establish Rulemaking Committee on IDR and PSLF

May 5, 2025

Letter to Members of Congress to Protect Protections and Relief Programs for Student Loan Borrower

April 8, 2025

Coalition Letter Urging Congress to Protect Pell Grants from Cuts

February 26, 2025

Coalition Letter to Congress Opposing Diverting Resources from Education to Other Areas in Reconciliation

February 19, 2025

Opposition to HR 6951, the College Cost Reduction Act

December 2, 2024

Legal Aid Comments on Proposed Rules on Financial Hardship-based Student Debt Relief

December 2, 2024

Group Letter to Sec. Cardona Requesting Extension of Borrower Protections in Light of SAVE Litigation

August 29, 2024

Reports

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Student Loan Toolkit

May 20, 2024

New Federal Student Loan Servicing Contracts, New Promises: Will it Make a Difference for Borrowers?

February 15, 2024

Examining the States’ Role in Protecting Online College Students from Predatory Practices

January 24, 2024

Collection At All Costs: Examining the Intersection of Mass Incarceration and the Student Debt Crisis

July 12, 2022

Report: Road to Relief – Supporting Federal Student Loan Borrowers During the Covid-19 Crisis and Beyond

November 17, 2020

Gainful Employment: A Civil Rights Perspective

October 1, 2019

Report: Inequitable Judgments – Examining Race and Federal Student Loan Collection Lawsuits

April 16, 2019

Pushed into Poverty: How Student Loan Collections Threaten the Financial Security of Older Americans

May 9, 2017

Pounding Student Loan Borrowers: The Heavy Cost of the Government’s Partnership with Debt Collection Agencies

September 17, 2014

Issue Briefs

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Repay or Die Trying: Proposal to Eliminate Income-Driven Repayment (IDR) Plans Threatens to Swell Ranks of Older Adults Struggling with Student Debt

April 4, 2025

Borrower Defense: What Will Happen to Students in Debt Because They Were Scammed by Their School if the 2022 Rule is Rescinded?

March 31, 2025

Left Out to Dry: Proposals to Streamline Student Loan Repayment Eliminate Affordable Pathways for Parent Borrowers

March 31, 2025

Debt Without a Degree: Preserving Protections for Students When Schools Close

March 17, 2025

2025 Consumer Protection Federal Priorities

October 21, 2024

The Growing Impact of Student Loan Debt on Older Adults

September 19, 2024

New Process to Discharge Student Loans in Bankruptcy

February 15, 2024

Delivering Distress to Borrowers in Default

October 11, 2023

Chapter Summary on Helping Older Borrowers Navigate the Changing Federal Student Loan System

March 31, 2023

Testimony

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Testimony of NCLC Attorney John Rao at the U.S. House Judiciary Subcommittee Hearing on “Oversight of Bankruptcy Law and Legislative Proposals”

July 25, 2019

Testimony of Joanna Darcus regarding “An Examination of State Efforts to Oversee the $1.5 Trillion Student Loan Servicing Market”

June 11, 2019

Press Releases & News

View All for Press Releases & News

NCLC Launches New Video Series for Student Loan Borrowers

July 1, 2025

Low-Income Communities Hit Hard as Senate Passes Brutal Reconciliation Bill

July 1, 2025

Department of Education Delays Plan to Seize Social Security Benefits to Collect on Defaulted Student Loans

June 3, 2025

House Republicans Propose Major Cuts to Student Loan and Pell Grant Programs

April 30, 2025

Proposals to Alter Student Loan Repayment Would Worsen Crisis of Older Adults Struggling with Student Debt

April 7, 2025

Congress Must Preserve Protections for Student Loan Borrowers Whose Schools Closed or Defrauded Them

April 3, 2025

Shutting Down the Department of Education Threatens Students and Working Families Who Rely on Federal Student Aid

March 20, 2025

Department of Education Outlines Stronger Protections for Student Loan Borrowers in Default

January 16, 2025

NCLC Statement in Response to Department of Education Loan Relief For Additional Students Harmed By Their School

January 16, 2025

From the NCLC Digital Library

Student Loan Law

NCLC’s Student Loan Law treatise details all the latest rights of student loan debtors, including loan forgiveness for the schools’ deceptive practices, financial hardship and other loan deferments, and more. The treatise covers multiple types of student loans, including private student loans.

Read Chapter One