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Policymakers should limit refinancing of consumer loans. They should eliminate rollovers, including taking a new loan out shortly after paying off a prior loan. 

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

Higher education institutions should set tuition and fees to ensure affordability and expand educational opportunities for all.

All financial aid, including grants and federal student loans, should be exhausted before a student is offered an ISA. 

Federal student loan providers should defer payments automatically without penalty or interest during declared emergencies.

People who seek to take out or cosign student loans should receive clear information on their responsibility for repaying the loan.

Policymakers at all levels of government should expand access to homeownership opportunities to help families build wealth and lock in affordable housing payments over the long term.

Policymakers should support the creation of permanent affordable homeownership options for people with low and moderate incomes.

Policies should be in place to avoid unnecessary foreclosures. 

Reverse mortgage proceeds should not affect homeowners’ eligibility for public benefit programs.