The Center for Law and Policy and National Consumer Law Center President Biden ran on an agenda that included student debt relief for the more than 44 million borrowers who collectively owe over $1.6 trillion. This would be in line with the Biden Administration’s racial equity goals, as it would include relief for the millions…
Comments to the U.S. Department of Health and Human Services In previous comments filed on September 8, 2021, NCLC raised several concerns about aspects of the proposed TennCare III waiver, i.e., that the Tennessee Medicaid program should not waive the 90-day retroactive eligibility period for Medicaid applicants, should not be designed as a block grant,…
Read More about Comments on Amendment Four of Tennessee’s TennCare III Demonstration Application
There has never been a more important time to focus on student loan servicing issues. The scale of the federal student loan servicing industry and the impacts of its actions are vast. Americans now owe more in student loan debt than they do for auto loans, credit cards, or any other non-mortgage debt.
Tax time is typically a time for an influx of funds for American consumers in the form of their tax refunds. This year, it was transformed into a time of uncertainty and drastic change, preceded by the longest government shutdown in history and marked by the inaugural implementation of many provisions of the Tax Cuts…
Americans were subjected to 5.2 billion robocalls last month–an increase by a phenomenal 370% just since December 2015.1 This explosion of robocalls invades our privacy, distracts us, disrupts our lives, costs us money, and undermines the utility of the American telephony system. The explosion of robocalls is not just a problem of calls that are…
Americans were subjected to 5.2 billion robocalls last month–an increase by a remarkable 370% just since December 2015.2 This explosion of robocalls invades our privacy, distracts us, disrupts our lives, costs us money, and undermines the utility of the American telephony system. These problem robocalls are not just overt scams, such as calls made by…
We are seeing an explosion of new products allowing consumers to purchase goods and services on credit or to take advances when money runs out before payday. Some are balloon-payment loans, repaid in full with the next deposit or paycheck. Others are repaid over time, some in four installments, others over a longer time period.…
Of the 44 million student loan borrowers, nearly one in five is currently in default on one or more federal student loans. The consequences of federal student loan default—such as wage garnishment, offset of federal benefits and tax refunds (including the Earned Income Tax Credit), and for some borrowers, a federal lawsuit—are devastating. A judgment…