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Federal policymakers should expand the circumstances in which student debt is dischargeable in bankruptcy (see al

Social Security benefits should not be garnished, levied, or offset to collect federal student loan debt (see als

Mandatory binding arbitration and restrictions on participating in class action lawsuits should ideally be prohibited in higher education contracts (

Consumers should have access to credit on fair and reasonable terms.

Policymakers should establish reasonable interest rate ceilings for all lenders.

Regulators should eliminate unfair, deceptive, or abusive practices in the alternative financial services industry.

Programs that offer early wage access or pay advance benefits should be regulated as loans subject to state and federal law (see also 

Policymakers should limit refinancing of consumers loans.

Regulators should provide robust oversight to ensure compliance with federal, state, and local consumer protection laws.

All levels of government should protect consumers against unfair debt collection practices.