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Federal and state policymakers should increase public investment in higher education to facilitate cost containment. 

They should provide robust oversight and regulation to: 

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.

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

Social Security benefits should not be offset to collect federal student loan debt (see also

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

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 create and rigorously enforce consumer protections in mortgage lending. 

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