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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.

Policies should be in place to avoid unnecessary foreclosures. 

Policymakers and the private sector should ensure that consumers and employees have the right to seek redress through the courts for injury or losses.

Options for alternative dispute resolution (ADR) should be available. These include mediation and arbitration.

Everyone should have affordable and reliable high-speed internet access in the home, regardless of such factors as geography, race, ethnicity, income, age, and ability level.

Policymakers and the private sector should ensure universal deployment of reliable high-speed internet infrastructure.

Policymakers and the private sector should actively work to narrow the significant gaps in the adoption of high-speed internet.