What to Know Now About Student Loan Debt and Repayments
Borrowers Can Now Apply for New, Income-Based Student Loan Repayment
Why Black Americans Are More Likely to Be Saddled With Medical Debt
Biden Is Canceling up to $10K in Student Loans, $20K for Pell Grant Recipients
First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling
As Trump Rolls Back Student Loan Protections, An Obama-Era Watchdog Brings the Fight to California
State Bill Would Stop Debt Collectors From Emptying Bank Accounts
New Bill Aims to Stop Charging Parents of Incarcerated Kids
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Costa County has unlawfully charged more than 500 parents for the cost of holding their kids in juvenile hall.","credit":"Sukey Lewis/KQED","description":"Contra Costa County has unlawfully charged more than 200 parents for the cost of incarcerating their 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In 2018, she co-founded the California Reporting Project, a coalition of newsrooms across the state focused on obtaining previously sealed internal affairs records from law enforcement. In addition to her reporting on police accountability, Sukey has investigated the bail bonds industry, California's wildfires and the high cost of prison phone calls. Sukey earned a master's degree in journalism from the University of California at Berkeley. Send news tips to slewis@kqed.org.","avatar":"https://secure.gravatar.com/avatar/03fd6b21024f99d8b0a1966654586de7?s=600&d=blank&r=g","twitter":"SukeyLewis","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"news","roles":["author","edit_others_posts"]}],"headData":{"title":"Sukey Lewis | KQED","description":"KQED Contributor","ogImgSrc":"https://secure.gravatar.com/avatar/03fd6b21024f99d8b0a1966654586de7?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/03fd6b21024f99d8b0a1966654586de7?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/slewis"},"abandlamudi":{"type":"authors","id":"11672","meta":{"index":"authors_1591205172","id":"11672","found":true},"name":"Adhiti Bandlamudi","firstName":"Adhiti","lastName":"Bandlamudi","slug":"abandlamudi","email":"abandlamudi@kqed.org","display_author_email":false,"staff_mastheads":["news"],"title":"KQED Housing Reporter","bio":"Adhiti Bandlamudi reports for KQED's Housing desk. She focuses on how housing gets built across the Bay Area. Before joining KQED in 2020, she reported for WUNC in Durham, North Carolina, WABE in Atlanta, Georgia and Capital Public Radio in Sacramento. In 2017, she was awarded a Kroc Fellowship at NPR where she reported on everything from sprinkles to the Golden State Killer's arrest. When she's not reporting, she's baking new recipes in her kitchen or watching movies with friends and family. She's originally from Georgia and has strong opinions about Great British Bake Off.","avatar":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g","twitter":"oddity_adhiti","facebook":null,"instagram":null,"linkedin":null,"sites":[{"site":"arts","roles":["author"]},{"site":"news","roles":["editor"]}],"headData":{"title":"Adhiti Bandlamudi | KQED","description":"KQED Housing Reporter","ogImgSrc":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g","twImgSrc":"https://secure.gravatar.com/avatar/868129c8b257bb99a3500e2c86a65400?s=600&d=blank&r=g"},"isLoading":false,"link":"/author/abandlamudi"}},"breakingNewsReducer":{},"campaignFinanceReducer":{},"firebase":{"requesting":{},"requested":{},"timestamps":{},"data":{},"ordered":{},"auth":{"isLoaded":false,"isEmpty":true},"authError":null,"profile":{"isLoaded":false,"isEmpty":true},"listeners":{"byId":{},"allIds":[]},"isInitializing":false,"errors":[]},"navBarReducer":{"navBarId":"news","fullView":true,"showPlayer":false},"navMenuReducer":{"menus":[{"key":"menu1","items":[{"name":"News","link":"/","type":"title"},{"name":"Politics","link":"/politics"},{"name":"Science","link":"/science"},{"name":"Education","link":"/educationnews"},{"name":"Housing","link":"/housing"},{"name":"Immigration","link":"/immigration"},{"name":"Criminal Justice","link":"/criminaljustice"},{"name":"Silicon Valley","link":"/siliconvalley"},{"name":"Forum","link":"/forum"},{"name":"The California Report","link":"/californiareport"}]},{"key":"menu2","items":[{"name":"Arts & Culture","link":"/arts","type":"title"},{"name":"Critics’ Picks","link":"/thedolist"},{"name":"Cultural Commentary","link":"/artscommentary"},{"name":"Food & Drink","link":"/food"},{"name":"Bay Area Hip-Hop","link":"/bayareahiphop"},{"name":"Rebel Girls","link":"/rebelgirls"},{"name":"Arts Video","link":"/artsvideos"}]},{"key":"menu3","items":[{"name":"Podcasts","link":"/podcasts","type":"title"},{"name":"Bay Curious","link":"/podcasts/baycurious"},{"name":"Rightnowish","link":"/podcasts/rightnowish"},{"name":"The Bay","link":"/podcasts/thebay"},{"name":"On Our Watch","link":"/podcasts/onourwatch"},{"name":"Mindshift","link":"/podcasts/mindshift"},{"name":"Consider This","link":"/podcasts/considerthis"},{"name":"Political Breakdown","link":"/podcasts/politicalbreakdown"}]},{"key":"menu4","items":[{"name":"Live Radio","link":"/radio","type":"title"},{"name":"TV","link":"/tv","type":"title"},{"name":"Events","link":"/events","type":"title"},{"name":"For Educators","link":"/education","type":"title"},{"name":"Support KQED","link":"/support","type":"title"},{"name":"About","link":"/about","type":"title"},{"name":"Help Center","link":"https://kqed-helpcenter.kqed.org/s","type":"title"}]}]},"pagesReducer":{},"postsReducer":{"stream_live":{"type":"live","id":"stream_live","audioUrl":"https://streams.kqed.org/kqedradio","title":"Live Stream","excerpt":"Live Stream information currently unavailable.","link":"/radio","featImg":"","label":{"name":"KQED Live","link":"/"}},"stream_kqedNewscast":{"type":"posts","id":"stream_kqedNewscast","audioUrl":"https://www.kqed.org/.stream/anon/radio/RDnews/newscast.mp3?_=1","title":"KQED Newscast","featImg":"","label":{"name":"88.5 FM","link":"/"}},"news_11963857":{"type":"posts","id":"news_11963857","meta":{"index":"posts_1591205157","site":"news","id":"11963857","score":null,"sort":[1696879709000]},"guestAuthors":[],"slug":"what-to-know-now-about-student-loan-debt-and-repayments","title":"What to Know Now About Student Loan Debt and Repayments","publishDate":1696879709,"format":"standard","headTitle":"What to Know Now About Student Loan Debt and Repayments | KQED","labelTerm":{},"content":"\u003cp>This month, payments on student loan debt for millions of borrowers across the country restarted after the three-year pandemic pause. California has some of the lowest tuition rates in the nation, but the state’s residents carry higher than average student debt balances, risky graduate school debt, and a unique reliance on parent-held debt, according to a\u003ca href=\"https://edsource.org/2023/despite-low-public-tuition-california-ranks-in-top-third-among-states-for-average-student-debt/697841?amp=1\"> recently released report\u003c/a> from The Century Foundation.\u003c/p>\n\u003ch2>Here’s what borrowers need to know if they already have student loans:\u003c/h2>\n\u003ch2>When do repayments restart?\u003c/h2>\n\u003cp>The pandemic-era pause on federal student loan payments has ended. Repayment for most borrowers resumed Oct. 1. Interest has already restarted accruing, as of September. However, if you’re currently enrolled in school or recently graduated, then for most federal student loan types, you have a six- to nine-month grace period from the moment you graduate, leave school or drop below half-time enrollment. And for most loans, interest accrues during your grace period.\u003c/p>\n\u003cp>The U.S. Department of Education is giving borrowers a one-year “on-ramp” to repayment through Sept. 30, 2024, which prevents people from falling into delinquency or default if they miss payments. Interest will still accrue, but any missed payments won’t lead to negative credit reporting.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003ch2>What repayment plans are available?\u003c/h2>\n\u003cul>\n\u003cli>\u003cstrong>Standard: \u003c/strong>Payments are a fixed amount that ensures your loans are paid off within 10 years, or 10 to 30 for consolidated loans.\u003c/li>\n\u003cli>\u003cstrong>Graduated: \u003c/strong>Payments are lower at first and then increase, usually every two years, and are for an amount that will ensure loans are paid off within 10 years or 10 to 30 years for consolidated loans.\u003c/li>\n\u003cli>\u003cstrong>Extended: \u003c/strong>Borrower must have more than $30,000 in outstanding direct loans. Payments are fixed or graduated and will ensure loans are paid off within 25 years.\u003c/li>\n\u003cli>\u003cstrong>Saving on a Valuable Education (SAVE) Plan, formerly the REPAYE plan \u003c/strong>\n\u003cul>\n\u003cli>Monthly payments will be 10% of \u003ca href=\"https://studentaid.gov/help-center/answers/topic/glossary/article/discretionary-income\">discretionary income\u003c/a>, which the department defines as the difference between annual income and a percentage of the \u003ca href=\"https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines\">poverty \u003c/a>guideline for a borrower’s family size and state of residence.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003cli>Spousal income or debt is considered if the borrower files a joint tax return.\u003c/li>\n\u003cli>Any outstanding balance is forgiven if the loan isn’t repaid after 20 years for undergraduate study or 25 years for graduate or professional study.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Pay-as-you-earn repayment plan (PAYE) \u003c/strong>\n\u003cul>\n\u003cli>Must be a new borrower on or after Oct. 1, 2007, or received a loan on or after Oct. 1, 2011.\u003c/li>\n\u003cli>Monthly payments will be 10% of discretionary income but never more than what you could pay under the 10-year standard repayment plan.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Income-based repayment plan (IBR)\u003c/strong>\n\u003cul>\n\u003cli>Must have high debt relative to income.\u003c/li>\n\u003cli>Monthly payments will be either 10% or 15% of discretionary income, but never more than what you could pay under the 10-year standard repayment plan.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003cli>Spousal income or debt is considered if the borrower files joint tax returns.\u003c/li>\n\u003cli>Any outstanding balance.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Income-contingent Repayment Plan: \u003c/strong>Monthly payments are the lesser of what you would pay on a repayment plan with a fixed monthly payment over 12 years and adjusted based on income, or 20% of your discretionary income, divided by 12. Parent PLUS borrowers are eligible if they consolidate the debt into a direct loan.\u003c/li>\n\u003c/ul>\n\u003ch2>What about my interest rate?\u003c/h2>\n\u003cp>Interest rates remain unchanged from what borrowers had before the pandemic pause. However, you may see a different rate if you enter a new repayment plan or consolidate your loans.\u003c/p>\n\u003cp>Interest rates are set by the Department of Education and tied to the 10-year Treasury note. Federal student loans borrowed after 2006 have fixed rates.\u003c/p>\n\u003ch2>Why does the government charge interest on student loans?\u003c/h2>\n\u003cp>“One argument would be we want people to have the incentive to pay back the loans, hence their interest rates,” said Peter Granville, a fellow at The Century Foundation studying federal and state policy efforts to improve college affordability. Other arguments include appealing to Congress to get rid of interest rates, or moving to debt-free college altogether, he said.\u003c/p>\n\u003cp>“Having debt is an emotionally weighty circumstance to be in, and nobody wants to take on debt, but we do it to finance the education that people need,” Granville said.\u003c/p>\n\u003ch2>Does the federal government make money off student loans?\u003c/h2>\n\u003cp>It’s unclear. Last year, a report from the U.S. Government Accountability Office found the Department of Education miscalculated the cost of the federal student loan program. The department initially estimated that it would generate $114 billion from federal direct student loans; however, the GAO discovered that as of 2021, the program \u003ca href=\"https://www.gao.gov/products/gao-22-105365\">cost the government\u003c/a> $197 billion. Part of the shortfall is due to the cost of the three-year pandemic pause, but most of it is because the department failed to consider the percentage of borrowers who would choose to enroll in income-driven repayment plans, the GAO concluded.\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Peter Granville, fellow, The Century Foundation\"]‘Having debt is an emotionally weighty circumstance to be in, and nobody wants to take on debt, but we do it to finance the education that people need.’[/pullquote]The GAO further explained it’s difficult to estimate future costs because borrowers’ incomes, family sizes and payment decisions change over time. It’s also difficult to examine past costs because there is a lack of historical data when new changes are introduced to student loan programs.\u003c/p>\n\u003cp>The Congressional Budget Office in 2022 \u003ca href=\"https://www.cbo.gov/system/files/2022-05/51310-2022-05-studentloan.pdf\">projected (PDF)\u003c/a> that the only loan program the government would see revenue from is the Parent PLUS program. The government loses money or subsidizes undergraduates, graduates and Grad PLUS loans.\u003c/p>\n\u003cp>Tiara Moultrie, a fellow at The Century Foundation focusing on higher education accountability, said there is concern among those analyzing student loans that the government will lose more money on student loans as more people enroll in income-driven repayment plans like the new SAVE plan. The \u003ca href=\"https://www.cbo.gov/system/files/2023-03/58983-IDR.pdf\">CBO estimates (PDF)\u003c/a> that by 2027, the total percentage of borrowers in an income-driven plan will increase by about 12% annually. Typically, for every $1 invested in an income-driven covered loan, the government loses 17 cents.\u003c/p>\n\u003cp>Currently, out of 43.4 million borrowers, 8.5 million are in an income-driven repayment plan.\u003c/p>\n\u003ch2>What if I have trouble repaying my loan?\u003c/h2>\n\u003cp>Contact your loan servicer to discuss options. You may choose to change repayment plans to lower monthly costs, request deferments, or enter forbearance, which allows you to stop making payments temporarily.\u003c/p>\n\u003ch2>What is the department’s relationship to loan servicers?\u003c/h2>\n\u003cp>Loan servicers like MOHELA, Nelnet, EdFinancial and ECSI are private contractors hired by the department to service loans. They are assigned to handle billing, and payment plans, and advise and assist borrowers with their student loans at no cost to borrowers.\u003c/p>\n\u003cp>Your servicer may have changed during the pandemic from one company to another because their contract with the department wasn’t renewed, or a new servicer was awarded a contract. These contracts typically last five years until renewal or cancellation. Sometimes a change happens when a borrower enters a new repayment or forgiveness program — for example, only one servicer handles Public Service Loan Forgiveness.\u003c/p>\n\u003cp>The servicers should notify borrowers if there is a change.\u003c/p>\n\u003ch2>Can I discharge my loans in bankruptcy?\u003c/h2>\n\u003cp>Yes, but it depends on the terms of the bankruptcy court’s decision. Those terms may include full discharge, partial discharge, or full repayment but with different terms like a lower interest rate.\u003c/p>\n\u003ch2>How can I get my student loan forgiven, canceled or discharged?\u003c/h2>\n\u003cp>There are a variety of ways to get a federal student loan canceled. For example, teachers are eligible for up to $17,500 in forgiveness through the \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/teacher\">Teacher Loan Forgiveness program\u003c/a>. Government employees, nurses, police officers, nonprofit workers and other people who work in public service may qualify for the \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service/public-service-loan-forgiveness-application\">Public Service Loan Forgiveness program\u003c/a>. For those with a disability, there is the \u003ca href=\"https://www.disabilitydischarge.com/\">Total and Permanent Disability Discharge\u003c/a> program. Finally, borrowers who participate in \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">income-driven repayment plans\u003c/a> are eligible for loan forgiveness if they’ve been in repayment for 20 or 25 years.\u003c/p>\n\u003cp>[aside postID=news_11959751 hero='https://ww2.kqed.org/app/uploads/sites/10/2023/08/GettyImages-1242692566-1020x689.jpg']Loans are also discharged or forgiven if your college or school closed while you were enrolled or shortly after you withdrew, or, if your college misled you or engaged in some other misconduct. Such forgiveness plans are known as \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/closed-school\">closed-school discharge\u003c/a> and \u003ca href=\"https://studentaid.gov/borrower-defense/\">borrower defense\u003c/a>.\u003c/p>\n\u003cp>On Wednesday, President Joe Biden \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2023/10/04/president-biden-announces-an-additional-9-billion-in-student-debt-relief-for-125000-americans/\">announced $9 billion\u003c/a> more in student debt relief for borrowers under Public Service Loan Forgiveness, disability forgiveness, and other income-driven repayment plans.\u003c/p>\n\u003ch2>What happens to my loans if I die?\u003c/h2>\n\u003cp>Loans will be discharged after the required proof of death is submitted.\u003c/p>\n\u003ch2>What happens to my parent’s PLUS loan if my parent dies, or if I die?\u003c/h2>\n\u003cp>The loan will be discharged if your parent dies or you, the student, dies.\u003c/p>\n\u003ch2>For students applying for loans:\u003c/h2>\n\u003ch2>How do I apply for student loans?\u003c/h2>\n\u003cp>You may be offered student loans as part of your college’s financial aid offer. Loans can come from a variety of sources, such as private banks, organizations and the federal government.\u003c/p>\n\u003ch2>What types of federal student loans exist?\u003c/h2>\n\u003cp>Undergraduate students who demonstrate financial need can receive Direct Subsidized Loans. Direct Unsubsidized Loans do not require students to demonstrate need. They are available to eligible undergraduate, graduate and professional students.\u003c/p>\n\u003cp>Complete the \u003ca href=\"https://studentaid.gov/h/apply-for-aid/fafsa\">Free Application for Federal Student Aid\u003c/a>. Your college will tell you how to accept all or part of the loan offered. However, before receiving money you are required to enter loan entrance counseling and sign a Master Promissory Note.\u003c/p>\n\u003cp>There are also Direct PLUS Loans:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://studentaid.gov/plus-app/grad/landing\">Grad PLUS \u003c/a>loans are given to graduate or professional students to help cover expenses. Borrowers do not need to demonstrate financial need, but they are subject to a credit check. People with poor credit histories must meet additional requirements.\u003c/li>\n\u003cli>Parent PLUS loans are given to parents of dependent undergraduate students to cover expenses. Borrowers do not need to demonstrate financial need, but they are subject to a credit check. People with poor credit histories must meet additional requirements.\u003c/li>\n\u003c/ul>\n\u003ch2>How much can I borrow?\u003c/h2>\n\u003cp>Undergraduate students can receive direct subsidized and unsubsidized loans from $5,500 to $12,500 per year, depending on the year they are in school and their dependency status.\u003c/p>\n\u003cp>Graduate and professional students can borrow up to $20,500 each year for unsubsidized loans. PLUS loans are uncapped and determined by the student’s school to cover any expenses not covered by other financial aid.\u003c/p>\n\u003cp>\u003ca href=\"https://edsource.org/2023/what-you-need-to-know-about-student-loan-debt-and-repayments/698337\">\u003cem>This report originally appeared in EdSource.\u003c/em>\u003c/a>\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n","blocks":[],"excerpt":"The US Department of Education is giving borrowers a 1-year on-ramp to repayment through Sept. 30, 2024 to prevent people from falling into delinquency or default.","status":"publish","parent":0,"modified":1696965622,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":31,"wordCount":1868},"headData":{"title":"What to Know Now About Student Loan Debt and Repayments | KQED","description":"The US Department of Education is giving borrowers a 1-year on-ramp to repayment through Sept. 30, 2024 to prevent people from falling into delinquency or default.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"What to Know Now About Student Loan Debt and Repayments","datePublished":"2023-10-09T19:28:29.000Z","dateModified":"2023-10-10T19:20:22.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"source":"edsource","sourceUrl":"https://edsource.org/","nprByline":"\u003ca href=\"https://edsource.org/author/asmith\">Ashley A. Smith\u003c/a>","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11963857/what-to-know-now-about-student-loan-debt-and-repayments","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>This month, payments on student loan debt for millions of borrowers across the country restarted after the three-year pandemic pause. California has some of the lowest tuition rates in the nation, but the state’s residents carry higher than average student debt balances, risky graduate school debt, and a unique reliance on parent-held debt, according to a\u003ca href=\"https://edsource.org/2023/despite-low-public-tuition-california-ranks-in-top-third-among-states-for-average-student-debt/697841?amp=1\"> recently released report\u003c/a> from The Century Foundation.\u003c/p>\n\u003ch2>Here’s what borrowers need to know if they already have student loans:\u003c/h2>\n\u003ch2>When do repayments restart?\u003c/h2>\n\u003cp>The pandemic-era pause on federal student loan payments has ended. Repayment for most borrowers resumed Oct. 1. Interest has already restarted accruing, as of September. However, if you’re currently enrolled in school or recently graduated, then for most federal student loan types, you have a six- to nine-month grace period from the moment you graduate, leave school or drop below half-time enrollment. And for most loans, interest accrues during your grace period.\u003c/p>\n\u003cp>The U.S. Department of Education is giving borrowers a one-year “on-ramp” to repayment through Sept. 30, 2024, which prevents people from falling into delinquency or default if they miss payments. Interest will still accrue, but any missed payments won’t lead to negative credit reporting.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003ch2>What repayment plans are available?\u003c/h2>\n\u003cul>\n\u003cli>\u003cstrong>Standard: \u003c/strong>Payments are a fixed amount that ensures your loans are paid off within 10 years, or 10 to 30 for consolidated loans.\u003c/li>\n\u003cli>\u003cstrong>Graduated: \u003c/strong>Payments are lower at first and then increase, usually every two years, and are for an amount that will ensure loans are paid off within 10 years or 10 to 30 years for consolidated loans.\u003c/li>\n\u003cli>\u003cstrong>Extended: \u003c/strong>Borrower must have more than $30,000 in outstanding direct loans. Payments are fixed or graduated and will ensure loans are paid off within 25 years.\u003c/li>\n\u003cli>\u003cstrong>Saving on a Valuable Education (SAVE) Plan, formerly the REPAYE plan \u003c/strong>\n\u003cul>\n\u003cli>Monthly payments will be 10% of \u003ca href=\"https://studentaid.gov/help-center/answers/topic/glossary/article/discretionary-income\">discretionary income\u003c/a>, which the department defines as the difference between annual income and a percentage of the \u003ca href=\"https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines\">poverty \u003c/a>guideline for a borrower’s family size and state of residence.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003cli>Spousal income or debt is considered if the borrower files a joint tax return.\u003c/li>\n\u003cli>Any outstanding balance is forgiven if the loan isn’t repaid after 20 years for undergraduate study or 25 years for graduate or professional study.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Pay-as-you-earn repayment plan (PAYE) \u003c/strong>\n\u003cul>\n\u003cli>Must be a new borrower on or after Oct. 1, 2007, or received a loan on or after Oct. 1, 2011.\u003c/li>\n\u003cli>Monthly payments will be 10% of discretionary income but never more than what you could pay under the 10-year standard repayment plan.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Income-based repayment plan (IBR)\u003c/strong>\n\u003cul>\n\u003cli>Must have high debt relative to income.\u003c/li>\n\u003cli>Monthly payments will be either 10% or 15% of discretionary income, but never more than what you could pay under the 10-year standard repayment plan.\u003c/li>\n\u003cli>Payments are recalculated each year based on updated income and family size.\u003c/li>\n\u003cli>Spousal income or debt is considered if the borrower files joint tax returns.\u003c/li>\n\u003cli>Any outstanding balance.\u003c/li>\n\u003c/ul>\n\u003c/li>\n\u003cli>\u003cstrong>Income-contingent Repayment Plan: \u003c/strong>Monthly payments are the lesser of what you would pay on a repayment plan with a fixed monthly payment over 12 years and adjusted based on income, or 20% of your discretionary income, divided by 12. Parent PLUS borrowers are eligible if they consolidate the debt into a direct loan.\u003c/li>\n\u003c/ul>\n\u003ch2>What about my interest rate?\u003c/h2>\n\u003cp>Interest rates remain unchanged from what borrowers had before the pandemic pause. However, you may see a different rate if you enter a new repayment plan or consolidate your loans.\u003c/p>\n\u003cp>Interest rates are set by the Department of Education and tied to the 10-year Treasury note. Federal student loans borrowed after 2006 have fixed rates.\u003c/p>\n\u003ch2>Why does the government charge interest on student loans?\u003c/h2>\n\u003cp>“One argument would be we want people to have the incentive to pay back the loans, hence their interest rates,” said Peter Granville, a fellow at The Century Foundation studying federal and state policy efforts to improve college affordability. Other arguments include appealing to Congress to get rid of interest rates, or moving to debt-free college altogether, he said.\u003c/p>\n\u003cp>“Having debt is an emotionally weighty circumstance to be in, and nobody wants to take on debt, but we do it to finance the education that people need,” Granville said.\u003c/p>\n\u003ch2>Does the federal government make money off student loans?\u003c/h2>\n\u003cp>It’s unclear. Last year, a report from the U.S. Government Accountability Office found the Department of Education miscalculated the cost of the federal student loan program. The department initially estimated that it would generate $114 billion from federal direct student loans; however, the GAO discovered that as of 2021, the program \u003ca href=\"https://www.gao.gov/products/gao-22-105365\">cost the government\u003c/a> $197 billion. Part of the shortfall is due to the cost of the three-year pandemic pause, but most of it is because the department failed to consider the percentage of borrowers who would choose to enroll in income-driven repayment plans, the GAO concluded.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"‘Having debt is an emotionally weighty circumstance to be in, and nobody wants to take on debt, but we do it to finance the education that people need.’","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Peter Granville, fellow, The Century Foundation","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>The GAO further explained it’s difficult to estimate future costs because borrowers’ incomes, family sizes and payment decisions change over time. It’s also difficult to examine past costs because there is a lack of historical data when new changes are introduced to student loan programs.\u003c/p>\n\u003cp>The Congressional Budget Office in 2022 \u003ca href=\"https://www.cbo.gov/system/files/2022-05/51310-2022-05-studentloan.pdf\">projected (PDF)\u003c/a> that the only loan program the government would see revenue from is the Parent PLUS program. The government loses money or subsidizes undergraduates, graduates and Grad PLUS loans.\u003c/p>\n\u003cp>Tiara Moultrie, a fellow at The Century Foundation focusing on higher education accountability, said there is concern among those analyzing student loans that the government will lose more money on student loans as more people enroll in income-driven repayment plans like the new SAVE plan. The \u003ca href=\"https://www.cbo.gov/system/files/2023-03/58983-IDR.pdf\">CBO estimates (PDF)\u003c/a> that by 2027, the total percentage of borrowers in an income-driven plan will increase by about 12% annually. Typically, for every $1 invested in an income-driven covered loan, the government loses 17 cents.\u003c/p>\n\u003cp>Currently, out of 43.4 million borrowers, 8.5 million are in an income-driven repayment plan.\u003c/p>\n\u003ch2>What if I have trouble repaying my loan?\u003c/h2>\n\u003cp>Contact your loan servicer to discuss options. You may choose to change repayment plans to lower monthly costs, request deferments, or enter forbearance, which allows you to stop making payments temporarily.\u003c/p>\n\u003ch2>What is the department’s relationship to loan servicers?\u003c/h2>\n\u003cp>Loan servicers like MOHELA, Nelnet, EdFinancial and ECSI are private contractors hired by the department to service loans. They are assigned to handle billing, and payment plans, and advise and assist borrowers with their student loans at no cost to borrowers.\u003c/p>\n\u003cp>Your servicer may have changed during the pandemic from one company to another because their contract with the department wasn’t renewed, or a new servicer was awarded a contract. These contracts typically last five years until renewal or cancellation. Sometimes a change happens when a borrower enters a new repayment or forgiveness program — for example, only one servicer handles Public Service Loan Forgiveness.\u003c/p>\n\u003cp>The servicers should notify borrowers if there is a change.\u003c/p>\n\u003ch2>Can I discharge my loans in bankruptcy?\u003c/h2>\n\u003cp>Yes, but it depends on the terms of the bankruptcy court’s decision. Those terms may include full discharge, partial discharge, or full repayment but with different terms like a lower interest rate.\u003c/p>\n\u003ch2>How can I get my student loan forgiven, canceled or discharged?\u003c/h2>\n\u003cp>There are a variety of ways to get a federal student loan canceled. For example, teachers are eligible for up to $17,500 in forgiveness through the \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/teacher\">Teacher Loan Forgiveness program\u003c/a>. Government employees, nurses, police officers, nonprofit workers and other people who work in public service may qualify for the \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service/public-service-loan-forgiveness-application\">Public Service Loan Forgiveness program\u003c/a>. For those with a disability, there is the \u003ca href=\"https://www.disabilitydischarge.com/\">Total and Permanent Disability Discharge\u003c/a> program. Finally, borrowers who participate in \u003ca href=\"https://studentaid.gov/manage-loans/repayment/plans/income-driven\">income-driven repayment plans\u003c/a> are eligible for loan forgiveness if they’ve been in repayment for 20 or 25 years.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11959751","hero":"https://ww2.kqed.org/app/uploads/sites/10/2023/08/GettyImages-1242692566-1020x689.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Loans are also discharged or forgiven if your college or school closed while you were enrolled or shortly after you withdrew, or, if your college misled you or engaged in some other misconduct. Such forgiveness plans are known as \u003ca href=\"https://studentaid.gov/manage-loans/forgiveness-cancellation/closed-school\">closed-school discharge\u003c/a> and \u003ca href=\"https://studentaid.gov/borrower-defense/\">borrower defense\u003c/a>.\u003c/p>\n\u003cp>On Wednesday, President Joe Biden \u003ca href=\"https://www.whitehouse.gov/briefing-room/statements-releases/2023/10/04/president-biden-announces-an-additional-9-billion-in-student-debt-relief-for-125000-americans/\">announced $9 billion\u003c/a> more in student debt relief for borrowers under Public Service Loan Forgiveness, disability forgiveness, and other income-driven repayment plans.\u003c/p>\n\u003ch2>What happens to my loans if I die?\u003c/h2>\n\u003cp>Loans will be discharged after the required proof of death is submitted.\u003c/p>\n\u003ch2>What happens to my parent’s PLUS loan if my parent dies, or if I die?\u003c/h2>\n\u003cp>The loan will be discharged if your parent dies or you, the student, dies.\u003c/p>\n\u003ch2>For students applying for loans:\u003c/h2>\n\u003ch2>How do I apply for student loans?\u003c/h2>\n\u003cp>You may be offered student loans as part of your college’s financial aid offer. Loans can come from a variety of sources, such as private banks, organizations and the federal government.\u003c/p>\n\u003ch2>What types of federal student loans exist?\u003c/h2>\n\u003cp>Undergraduate students who demonstrate financial need can receive Direct Subsidized Loans. Direct Unsubsidized Loans do not require students to demonstrate need. They are available to eligible undergraduate, graduate and professional students.\u003c/p>\n\u003cp>Complete the \u003ca href=\"https://studentaid.gov/h/apply-for-aid/fafsa\">Free Application for Federal Student Aid\u003c/a>. Your college will tell you how to accept all or part of the loan offered. However, before receiving money you are required to enter loan entrance counseling and sign a Master Promissory Note.\u003c/p>\n\u003cp>There are also Direct PLUS Loans:\u003c/p>\n\u003cul>\n\u003cli>\u003ca href=\"https://studentaid.gov/plus-app/grad/landing\">Grad PLUS \u003c/a>loans are given to graduate or professional students to help cover expenses. Borrowers do not need to demonstrate financial need, but they are subject to a credit check. People with poor credit histories must meet additional requirements.\u003c/li>\n\u003cli>Parent PLUS loans are given to parents of dependent undergraduate students to cover expenses. Borrowers do not need to demonstrate financial need, but they are subject to a credit check. People with poor credit histories must meet additional requirements.\u003c/li>\n\u003c/ul>\n\u003ch2>How much can I borrow?\u003c/h2>\n\u003cp>Undergraduate students can receive direct subsidized and unsubsidized loans from $5,500 to $12,500 per year, depending on the year they are in school and their dependency status.\u003c/p>\n\u003cp>Graduate and professional students can borrow up to $20,500 each year for unsubsidized loans. PLUS loans are uncapped and determined by the student’s school to cover any expenses not covered by other financial aid.\u003c/p>\n\u003cp>\u003ca href=\"https://edsource.org/2023/what-you-need-to-know-about-student-loan-debt-and-repayments/698337\">\u003cem>This report originally appeared in EdSource.\u003c/em>\u003c/a>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11963857/what-to-know-now-about-student-loan-debt-and-repayments","authors":["byline_news_11963857"],"categories":["news_18540","news_8"],"tags":["news_20382","news_27626","news_30899","news_25523"],"featImg":"news_11963859","label":"source_news_11963857"},"news_11958969":{"type":"posts","id":"news_11958969","meta":{"index":"posts_1591205157","site":"news","id":"11958969","score":null,"sort":[1692833454000]},"guestAuthors":[],"slug":"borrowers-can-now-apply-for-new-income-based-student-loan-repayment","title":"Borrowers Can Now Apply for New, Income-Based Student Loan Repayment","publishDate":1692833454,"format":"standard","headTitle":"Borrowers Can Now Apply for New, Income-Based Student Loan Repayment | KQED","labelTerm":{"term":253,"site":"news"},"content":"\u003cp>A new repayment program opened yesterday to more than 20 million student loan borrowers, with payments based on their income and family size.\u003c/p>\n\u003cp>The Biden administration \u003ca href=\"https://www.npr.org/2023/07/14/1187545921/student-loan-forgiveness-save-repayment\">announced the Saving on a Valuable Education (SAVE) program\u003c/a> earlier this summer, following the Supreme Court’s decision to overturn their proposed loan cancellation program.\u003c/p>\n\u003cp>“We refuse to go back to those days before the pandemic when nearly a million borrowers defaulted on their loans every single year because they couldn’t afford the payments,” Education Secretary Miguel Cardona said on a press call. “Starting today, borrowers can enroll in the most affordable student loan repayment plan ever available.”\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>The SAVE program does not deliver debt forgiveness in one fell swoop, as the administration initially sought to do. But millions of borrowers — \u003ca href=\"https://www.npr.org/2023/08/08/1192703211/biden-save-plan-how-it-works\">including those with higher incomes\u003c/a> — will see some of their debt forgiven under this plan.\u003c/p>\n\u003cp>The program will calculate monthly payments based on the borrower’s income and family size. The administration estimates that under SAVE more than a million borrowers will qualify for $0 monthly payments, while the average borrower will save about $1,000 a year. The new plan also seeks to prevent interest from exploding.\u003c/p>\n\u003cp>“The nightmare of making payments and watching your loan balance get bigger and bigger will finally be over,” Cardona says.\u003c/p>\n\u003cp>Under the SAVE plan, as long as borrowers make their monthly payments, interest will not accumulate. With previous plans, borrowers with low or $0 payments — too low to cover their monthly interest charge — saw that interest accrue. Now, the government says, that won’t happen.\u003c/p>\n\u003cp>The department says that under the old plan, borrowers repaid, on average, $10,956 for every $10,000 they borrowed. Under the new plan, they would pay back just $6,121.\u003c/p>\n\u003cp>“This is a big new loan forgiveness policy, particularly for undergraduates,” says Jason Delisle, who studies higher education at the Urban Institute.\u003c/p>\n\u003cp>In a January review of the SAVE plan, Delisle and his colleagues found that, for bachelor’s degree recipients, “the share fully paying off their loans would fall from 59% under current [income-driven repayment] to 22%.”\u003c/p>\n\u003ch2>Who qualifies?\u003c/h2>\n\u003cp>Borrowers with federally held loans including direct subsidized, unsubsidized and consolidated loans qualify for SAVE.[aside tag=\"education, fafsa, loan\" label=\"More Related Stories\"]Those with Federal Family Education Loans (FFEL) or Perkins Loans that are held by a commercial lender would need to consolidate that debt into a federal direct loan in order to qualify.\u003c/p>\n\u003cp>Parents who took out a federal loan to help their children pay for college (known as Parent PLUS loans) are not eligible for SAVE, but are eligible for other income-driven repayment plans. Borrowers can find the best plan for them at \u003ca href=\"https://studentaid.gov/\">studentaid.gov\u003c/a>\u003c/p>\n\u003cp>Unlike the now defunct forgiveness program, the SAVE program will benefit not only current student loan borrowers, but also future ones.\u003c/p>\n\u003ch2>How can I apply?\u003c/h2>\n\u003cp>Borrowers can now apply at \u003ca href=\"https://studentaid.gov/announcements-events/save-plan\">studentaid.gov/SAVE\u003c/a>. In \u003ca href=\"https://youtu.be/VPPmMLAQsCo\">an announcement video\u003c/a>, President Biden assured borrowers that the application will take “10 minutes.”\u003c/p>\n\u003cp>The program allows borrowers to opt in to a feature that allows the Education Department to access their tax returns from the Internal Revenue Service. This will allow the department to automatically recertify borrowers’ enrollment every year, so they don’t have to keep applying and updating.\u003c/p>\n\u003cp>The administration is urging borrowers to apply soon because, after three years of pause extensions, student loan payments are set to resume in October, with interest starting to accrue in September.\u003c/p>\n\u003cp>A senior administration official told reporters that borrowers who apply early enough will be able to see the new plan’s savings reflected in their first payment in October.\u003c/p>\n\u003cdiv class=\"fullattribution\">\u003cem>Copyright 2023 NPR. To see more, visit https://www.npr.org.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Borrowers+can+now+apply+for+new%2C+income-based+student+loan+repayment&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/em>\u003c/div>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"More than 20 million borrowers are eligible under the new repayment plan, and many will see lower payments.","status":"publish","parent":0,"modified":1692834333,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":19,"wordCount":643},"headData":{"title":"Borrowers Can Now Apply for New, Income-Based Student Loan Repayment | KQED","description":"More than 20 million borrowers are eligible under the new repayment plan, and many will see lower payments.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Borrowers Can Now Apply for New, Income-Based Student Loan Repayment","datePublished":"2023-08-23T23:30:54.000Z","dateModified":"2023-08-23T23:45:33.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"nprImageCredit":"LA Johnson","nprByline":"\u003ca href=\"https://www.npr.org/people/349625027/cory-turner\">Cory Turner\u003c/a>","nprImageAgency":"NPR","nprStoryId":"1195141913","nprApiLink":"http://api.npr.org/query?id=1195141913&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"https://www.npr.org/2023/08/22/1195141913/borrowers-can-now-apply-for-new-income-based-student-loan-repayment?ft=nprml&f=1195141913","nprRetrievedStory":"1","nprPubDate":"Tue, 22 Aug 2023 18:14:00 -0400","nprStoryDate":"Tue, 22 Aug 2023 08:30:47 -0400","nprLastModifiedDate":"Tue, 22 Aug 2023 13:36:44 -0400","nprAudio":"https://play.podtrac.com/npr-191676894/edge1.pod.npr.org/anon.npr-mp3/npr/atc/2023/08/20230822_atc_borrowers_can_now_apply_for_new_income-based_student_loan_repayment.mp3?orgId=1&topicId=1013&d=197&p=2&story=1195141913&awCollectionId=1&awEpisodeId=1195141913&ft=nprml&f=1195141913","nprAudioM3u":"http://api.npr.org/m3u/11195291876-242dcd.m3u?orgId=1&topicId=1013&d=197&p=2&story=1195141913&ft=nprml&f=1195141913","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","articleAge":"0","path":"/news/11958969/borrowers-can-now-apply-for-new-income-based-student-loan-repayment","audioUrl":"https://play.podtrac.com/npr-191676894/edge1.pod.npr.org/anon.npr-mp3/npr/atc/2023/08/20230822_atc_borrowers_can_now_apply_for_new_income-based_student_loan_repayment.mp3?orgId=1&topicId=1013&d=197&p=2&story=1195141913&awCollectionId=1&awEpisodeId=1195141913&ft=nprml&f=1195141913","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>A new repayment program opened yesterday to more than 20 million student loan borrowers, with payments based on their income and family size.\u003c/p>\n\u003cp>The Biden administration \u003ca href=\"https://www.npr.org/2023/07/14/1187545921/student-loan-forgiveness-save-repayment\">announced the Saving on a Valuable Education (SAVE) program\u003c/a> earlier this summer, following the Supreme Court’s decision to overturn their proposed loan cancellation program.\u003c/p>\n\u003cp>“We refuse to go back to those days before the pandemic when nearly a million borrowers defaulted on their loans every single year because they couldn’t afford the payments,” Education Secretary Miguel Cardona said on a press call. “Starting today, borrowers can enroll in the most affordable student loan repayment plan ever available.”\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>The SAVE program does not deliver debt forgiveness in one fell swoop, as the administration initially sought to do. But millions of borrowers — \u003ca href=\"https://www.npr.org/2023/08/08/1192703211/biden-save-plan-how-it-works\">including those with higher incomes\u003c/a> — will see some of their debt forgiven under this plan.\u003c/p>\n\u003cp>The program will calculate monthly payments based on the borrower’s income and family size. The administration estimates that under SAVE more than a million borrowers will qualify for $0 monthly payments, while the average borrower will save about $1,000 a year. The new plan also seeks to prevent interest from exploding.\u003c/p>\n\u003cp>“The nightmare of making payments and watching your loan balance get bigger and bigger will finally be over,” Cardona says.\u003c/p>\n\u003cp>Under the SAVE plan, as long as borrowers make their monthly payments, interest will not accumulate. With previous plans, borrowers with low or $0 payments — too low to cover their monthly interest charge — saw that interest accrue. Now, the government says, that won’t happen.\u003c/p>\n\u003cp>The department says that under the old plan, borrowers repaid, on average, $10,956 for every $10,000 they borrowed. Under the new plan, they would pay back just $6,121.\u003c/p>\n\u003cp>“This is a big new loan forgiveness policy, particularly for undergraduates,” says Jason Delisle, who studies higher education at the Urban Institute.\u003c/p>\n\u003cp>In a January review of the SAVE plan, Delisle and his colleagues found that, for bachelor’s degree recipients, “the share fully paying off their loans would fall from 59% under current [income-driven repayment] to 22%.”\u003c/p>\n\u003ch2>Who qualifies?\u003c/h2>\n\u003cp>Borrowers with federally held loans including direct subsidized, unsubsidized and consolidated loans qualify for SAVE.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"education, fafsa, loan","label":"More Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>Those with Federal Family Education Loans (FFEL) or Perkins Loans that are held by a commercial lender would need to consolidate that debt into a federal direct loan in order to qualify.\u003c/p>\n\u003cp>Parents who took out a federal loan to help their children pay for college (known as Parent PLUS loans) are not eligible for SAVE, but are eligible for other income-driven repayment plans. Borrowers can find the best plan for them at \u003ca href=\"https://studentaid.gov/\">studentaid.gov\u003c/a>\u003c/p>\n\u003cp>Unlike the now defunct forgiveness program, the SAVE program will benefit not only current student loan borrowers, but also future ones.\u003c/p>\n\u003ch2>How can I apply?\u003c/h2>\n\u003cp>Borrowers can now apply at \u003ca href=\"https://studentaid.gov/announcements-events/save-plan\">studentaid.gov/SAVE\u003c/a>. In \u003ca href=\"https://youtu.be/VPPmMLAQsCo\">an announcement video\u003c/a>, President Biden assured borrowers that the application will take “10 minutes.”\u003c/p>\n\u003cp>The program allows borrowers to opt in to a feature that allows the Education Department to access their tax returns from the Internal Revenue Service. This will allow the department to automatically recertify borrowers’ enrollment every year, so they don’t have to keep applying and updating.\u003c/p>\n\u003cp>The administration is urging borrowers to apply soon because, after three years of pause extensions, student loan payments are set to resume in October, with interest starting to accrue in September.\u003c/p>\n\u003cp>A senior administration official told reporters that borrowers who apply early enough will be able to see the new plan’s savings reflected in their first payment in October.\u003c/p>\n\u003cdiv class=\"fullattribution\">\u003cem>Copyright 2023 NPR. To see more, visit https://www.npr.org.\u003cimg decoding=\"async\" src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Borrowers+can+now+apply+for+new%2C+income-based+student+loan+repayment&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/em>\u003c/div>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11958969/borrowers-can-now-apply-for-new-income-based-student-loan-repayment","authors":["byline_news_11958969"],"categories":["news_1758","news_18540","news_8"],"tags":["news_18085","news_20382","news_20013","news_29779","news_33078"],"affiliates":["news_253"],"featImg":"news_11958970","label":"news_253"},"news_11930534":{"type":"posts","id":"news_11930534","meta":{"index":"posts_1591205157","site":"news","id":"11930534","score":null,"sort":[1667067609000]},"guestAuthors":[],"slug":"why-black-americans-are-more-likely-to-be-saddled-with-medical-debt","title":"Why Black Americans Are More Likely to Be Saddled With Medical Debt","publishDate":1667067609,"format":"standard","headTitle":"KQED News","labelTerm":{},"content":"\u003cp>When Dr. H.M. Green opened his new medical office building on East Vine Avenue in 1922, Black Knoxville residents could be seen only in the basement of Knoxville General Hospital. They were barred from the city's other three medical centers.\u003c/p>\n\u003cp>Green, one of America's leading Black physicians, spent his life working to end health inequities like this. He installed an X-ray machine, an operating room, and a private infirmary in his building to serve Black patients. On the first floor was a pharmacy.\u003c/p>\n\u003cp>[pullquote size=\"large\" align=\"right\" citation=\"Berneta Haynes, staff attorney, National Consumer Law Center\"]'This legacy of segregation and structural racism underlies the racial health gap. It impacts health outcomes and access. And it impacts the level of medical debt.'[/pullquote]\u003c/p>\n\u003cp>Today the Green Medical Arts Building has been replaced by a tangle of freeways that were built after the city's Black business district was bulldozed in a midcentury urban renewal project.\u003c/p>\n\u003cp>But the health gaps Green labored to narrow still divide this community. And if segregation is less apparent in medical offices today, its legacy lives on in crushing medical debt that disproportionately burdens this city's Black community.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>In and around Knoxville, residents of predominantly Black neighborhoods are more than twice as likely as those in largely white neighborhoods to owe money for medical bills, Urban Institute \u003ca href=\"https://apps.urban.org/features/debt-interactive-map/?type=medical&variable=medcoll&state=47&county=47093\" target=\"_blank\" rel=\"noopener noreferrer\">credit bureau data\u003c/a> shows — it's one of the widest racial disparities in the country.\u003c/p>\n\u003cp>That tracks with a disturbing national trend. Health care debt in the U.S. now affects more than 100 million people, \u003ca href=\"https://khn.org/news/tag/diagnosis-debt/\" target=\"_blank\" rel=\"noopener noreferrer\">a KHN-NPR investigation\u003c/a> found. But the toll has been especially high on Black communities: 56% of Black adults owe money for a medical or dental bill, compared with 37% of white adults, according to \u003ca href=\"https://www.kff.org/health-costs/report/kff-health-care-debt-survey/\" target=\"_blank\" rel=\"noopener noreferrer\">a nationwide KFF poll\u003c/a> conducted for this project.\u003c/p>\n\u003cp>The explanation for that startling disparity is deeply rooted. Decades of discrimination in housing, employment, and health care blocked generations of Black families from building wealth — savings and assets that are increasingly critical to accessing America's high-priced medical system.\u003c/p>\n\u003cp>Against that backdrop, patients suffer. People with debt avoid seeking care and become sicker with treatable chronic conditions like diabetes or multiple sclerosis. Worse still, hospitals and doctors sometimes won't see patients with medical debt — even those in the middle of treatment.\u003c/p>\n\u003cp>\"African Americans don't seek health care until we are really, really sick, and then it costs more,\" said Tabace Burns, a former emergency room nurse in Knoxville. Burns, who is also a leader in her church, said she routinely helps members of her congregation find medical care they should have sought earlier.\u003c/p>\n\u003cp>Nationwide, Black adults who have had health care debt are twice as likely as white adults with such debt to say they've been denied care because they owe money, the KFF poll found. Many Black Americans also ration their care out of fear of cost.\u003c/p>\n\u003cp>Burns recalled a friend who came to see her about an oozing growth on her breast. \"She didn't have any insurance, so she just thought it would get better,\" Burns said.[aside tag=\"debt\" label=\"More Debt-Related Stories\"]\u003c/p>\n\u003cp>Burns helped the woman find an oncologist to treat what turned out to be cancer. There was a cost to waiting so long, though. Because the cancer was so advanced, the friend had to undergo chemotherapy and have both breasts removed.\u003c/p>\n\u003cp>It could have been worse. \"What if she didn't know me? What if she just continued to let her breast leak and it was necrotic?\" Burns said. But, she added, if her friend hadn't been so worried about going into debt, she would have gone to the doctor sooner.\u003c/p>\n\u003cp>It's a terrible cycle, said Berneta Haynes, a staff attorney at the National Consumer Law Center. \"This legacy of segregation and structural racism underlies the racial health gap,\" she said. \"It impacts health outcomes and access. And it impacts the level of medical debt.\"\u003c/p>\n\u003ch3>In 'The Bottom'\u003c/h3>\n\u003cp>The story of how Knoxville's Black residents came to be its primary victims of medical debt is written in the city's changing landscape.\u003c/p>\n\u003cp>Just outside downtown, below refurbished office buildings and former warehouses, is an area once called The Bottom, long the heart of the Black community.\u003c/p>\n\u003cp>This area persevered through decades of Jim Crow segregation and violence. In one of the worst episodes, mobs of white rioters in 1919 vandalized Black-owned stores and shot residents after a young Black man was accused of killing a white woman.\u003c/p>\n\u003cp>It was here that Black physicians like Green opened medical offices alongside grocers, pool halls, and funeral homes. Knoxville's first Black millionaire, a former enslaved man who'd made a fortune in horse racing and saloons, built a YMCA. Billie Holiday and Cab Calloway performed at the Gem Theatre.\u003c/p>\n\u003cp>Beginning in the late 1950s, the city systematically wiped out The Bottom and surrounding neighborhoods in an urban renewal and highway-building campaign. Officials razed more than 500 homes, 15 churches, and more than 100 Black-owned businesses, including Green's medical building.\u003c/p>\n\u003cp>More than 2,500 families were displaced. Many ended up in public housing projects. Others left Knoxville. Businesses never reopened. \"It changed the whole landscape,\" said the Rev. Reneé Kesler, director of the Beck Cultural Exchange Center, a nonprofit that preserves Knoxville's Black history. \"You'll have generations that won't recover from that.\"\u003c/p>\n\u003cp>What urban renewal left behind in East Knoxville was a neighborhood that's the poorest in the city — and has the largest share of Black residents.\u003c/p>\n\u003cp>A tiny fraction of residents are homeowners. Blocks are blighted by boarded-up buildings and overgrown lots. Down the street from Knoxville's oldest Black cemetery, a Dollar General recently closed — one of the few stores around that sold groceries.\u003c/p>\n\u003cp>The neighborhood's residents are sicker than those elsewhere in Knoxville, with higher levels of diabetes and other chronic illnesses. They are less likely to have health insurance.\u003c/p>\n\u003cp>They also have much more medical debt.\u003c/p>\n\u003cp>More than 30% of the people have a medical bill on their credit record, according to credit bureau data collected \u003ca href=\"https://www.urban.org/urban-wire/communities-color-disproportionally-suffer-medical-debt\">by the nonprofit Urban Institute\u003c/a>. A few miles west in Knoxville's overwhelmingly white suburbs, fewer than 10% carry such debt.\u003c/p>\n\u003cp>It's not difficult to understand the difference, said Eboni Winford, a clinical psychologist at Cherokee Health Systems, a network of clinics that serve low-income patients. \"Black people are less likely to have generational wealth to pass on, which means we don't have the pockets of money that we can just use if medical bills arise.\"\u003c/p>\n\u003cp>Nationally, the median white family now has about $184,000 in assets such as homes, savings, and retirement accounts, according to an \u003ca href=\"https://www.stlouisfed.org/on-the-economy/2021/january/wealth-gaps-white-black-hispanic-families-2019\" target=\"_blank\" rel=\"noopener noreferrer\">analysis by the Federal Reserve Bank\u003c/a> of St. Louis. The assets of the median Black family total just $23,000.\u003c/p>\n\u003cp>\"What happened is we concentrated Black poverty,\" said Gwen McKenzie, a Knoxville City Council member who grew up not far from The Bottom. \"From there, that's where it became generational.\"\u003c/p>\n\u003ch3>'Always a sacrifice'\u003c/h3>\n\u003cp>Monica Reed lives just up the hill from where The Bottom once was.\u003c/p>\n\u003cp>She considers herself luckier than most. Born in Knoxville and raised by a single mother, Reed became the first in her family to own a home, a small house built after the city demolished The Bottom. For the past 15 years, she's worked for a faith-based nonprofit that assists low-income residents of Knoxville.\u003c/p>\n\u003cp>\"It hasn't always been easy,\" said Reed, who just turned 60. She raised her son by herself. And though she's always worked, her modest salary made saving difficult. \"I just tried to live a frugal kind of life,\" she said. \"And by the grace of God, I didn't become homeless.\"\u003c/p>\n\u003cp>She couldn't escape medical debt, though. Diagnosed with cancer five years ago, Reed underwent surgery and chemotherapy. Although she had health insurance through work, she was left with close to $10,000 in medical bills she couldn't pay.\u003c/p>\n\u003cp>She's been pursued by debt collectors and even taken to court. That's forced Reed to make difficult choices. \"There's always a sacrifice,\" she said. \"You just do without some things to pay other things.\"\u003c/p>\n\u003cp>Reed said she cut back on trips to the grocery store: \"I don't buy a lot of food. Just plain and simple.\"\u003c/p>\n\u003cp>She has adjusted, she said. \"You just do what you have to do.\" What angers Reed, though, is how she's been treated by the cancer center where she goes for periodic checkups to make sure the cancer remains in remission. When she recently tried to make an appointment, a financial counselor told her she couldn't schedule it until she made a plan to pay her bills.\u003c/p>\n\u003cp>\"I was so upset, I didn't even find out how much I owed,\" Reed said. \"I mean, I wasn't calling about a little toothache. This is something that affects someone's life.\"\u003c/p>\n\u003ch3>Locking in disparities\u003c/h3>\n\u003cp>Health insurance gains made possible by the Affordable Care Act have narrowed some racial health disparities, studies show.\u003c/p>\n\u003cp>The expansion of Medicaid, in particular, has brought new financial security to millions of low-income Americans. In a \u003ca href=\"https://cdn.theatlantic.com/assets/media/files/bgh_draft_2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">recent analysis\u003c/a> of credit bureau and census data, researchers estimated that Medicaid expansion helped enrollees avoid more than $1,200 in medical debt.\u003c/p>\n\u003cp>But many of those gains have remained out of reach in Knoxville. Tennessee is among 12 states that have rejected federal funding to expand the Medicaid safety net through the 2010 health care law.\u003c/p>\n\u003cp>Eight of the 12 are Southern states with large Black populations. The decision not to expand has disproportionately affected communities like East Knoxville that are already contending with deep racial disparities in health and wealth.\u003c/p>\n\u003cp>Of the roughly 2.2 million people locked out of health coverage because these states rejected Medicaid expansion, nearly 60% are people of color, according to \u003ca href=\"https://www.kff.org/policy-watch/taking-a-closer-look-at-characteristics-of-people-in-the-coverage-gap/\" target=\"_blank\" rel=\"noopener noreferrer\">a KFF analysis\u003c/a>. About a quarter are Black.\u003c/p>\n\u003cp>Locked out of health insurance, many just try to hang on until they become eligible for Medicare, said Cynthia Finch, an advocate in Knoxville who has worked to improve health in the city's Black community. \"People pray they don't get sick before they are 65,\" she said.\u003c/p>\n\u003cp>If Black patients go into debt, they face yet another challenge: a medical debt collections industry that\u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3465203\" target=\"_blank\" rel=\"noopener noreferrer\"> targets Black debtors\u003c/a> more aggressively than their white counterparts, particularly for smaller debts.\u003c/p>\n\u003cp>About 6 in 10 Black adults with medical debts under $2,500 say they or someone in their household has been contacted by a collection agency in the past five years, the KFF poll found. By contrast, only about 4 in 10 white adults with similar debt said the same.\u003c/p>\n\u003cp>At the courthouse in downtown Knoxville, the dockets are filled with debt collection lawsuits filed by some of the region's largest hospitals: Fort Sanders Regional Medical Center, East Tennessee Children's Hospital, and Parkwest Medical Center.\u003c/p>\n\u003cp>That discourages many Black patients from seeking care even if they need it, said Cherokee Health's Derrick Folsom, who helps patients enroll in health insurance. \"Somebody knows somebody who's getting sued for medical bills,\" Folsom said. \"So they stay away from medical centers.\"\u003c/p>\n\u003cp>Reflecting on her experience with medical debt, Reed said she tries to stay upbeat. \"I don't sweat the small stuff,\" she said. \"What am I going to do against this hospital?\"\u003c/p>\n\u003cp>[ad floatright]\u003c/p>\n\u003cp>But, she said, she has realized one thing about the nation's health care system: \"It's not designed for poor people.\"\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2022 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Why+Black+Americans+are+more+likely+to+be+saddled+with+medical+debt&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\n","blocks":[],"excerpt":"Black communities in the U.S. suffer disproportionately from health care debt. The reasons go back to segregation and a history of racist policies that have limited Black wealth.","status":"publish","parent":0,"modified":1667235312,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":51,"wordCount":1960},"headData":{"title":"Why Black Americans Are More Likely to Be Saddled With Medical Debt | KQED","description":"Black communities in the U.S. suffer disproportionately from health care debt. The reasons go back to segregation and a history of racist policies that have limited Black wealth.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Why Black Americans Are More Likely to Be Saddled With Medical Debt","datePublished":"2022-10-29T18:20:09.000Z","dateModified":"2022-10-31T16:55:12.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11930534 https://ww2.kqed.org/news/?p=11930534","disqusUrl":"https://ww2.kqed.org/news/2022/10/29/why-black-americans-are-more-likely-to-be-saddled-with-medical-debt/","disqusTitle":"Why Black Americans Are More Likely to Be Saddled With Medical Debt","source":"NPR","sourceUrl":"https://www.npr.org/","nprByline":"Noam Levey","nprImageAgency":"Jamar Coach for KHN and NPR","nprStoryId":"1131984451","nprApiLink":"http://api.npr.org/query?id=1131984451&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"https://www.npr.org/sections/health-shots/2022/10/27/1131984451/medical-debt-racial-inequities?ft=nprml&f=1131984451","nprRetrievedStory":"1","nprPubDate":"Fri, 28 Oct 2022 14:25:00 -0400","nprStoryDate":"Thu, 27 Oct 2022 16:28:00 -0400","nprLastModifiedDate":"Fri, 28 Oct 2022 14:25:56 -0400","nprAudio":"https://ondemand.npr.org/anon.npr-mp3/npr/atc/2022/10/20221027_atc_in_knoxville_the_burden_of_medical_debt_reinforces_a_long_history_of_segregation.mp3?orgId=1&topicId=1128&aggIds=1104684885&d=285&p=2&story=1131984451&ft=nprml&f=1131984451","nprAudioM3u":"http://api.npr.org/m3u/11132042080-19735d.m3u?orgId=1&topicId=1128&aggIds=1104684885&d=285&p=2&story=1131984451&ft=nprml&f=1131984451","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","path":"/news/11930534/why-black-americans-are-more-likely-to-be-saddled-with-medical-debt","audioUrl":"https://ondemand.npr.org/anon.npr-mp3/npr/atc/2022/10/20221027_atc_in_knoxville_the_burden_of_medical_debt_reinforces_a_long_history_of_segregation.mp3?orgId=1&topicId=1128&aggIds=1104684885&d=285&p=2&story=1131984451&ft=nprml&f=1131984451","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>When Dr. H.M. Green opened his new medical office building on East Vine Avenue in 1922, Black Knoxville residents could be seen only in the basement of Knoxville General Hospital. They were barred from the city's other three medical centers.\u003c/p>\n\u003cp>Green, one of America's leading Black physicians, spent his life working to end health inequities like this. He installed an X-ray machine, an operating room, and a private infirmary in his building to serve Black patients. On the first floor was a pharmacy.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'This legacy of segregation and structural racism underlies the racial health gap. It impacts health outcomes and access. And it impacts the level of medical debt.'","name":"pullquote","attributes":{"named":{"size":"large","align":"right","citation":"Berneta Haynes, staff attorney, National Consumer Law Center","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Today the Green Medical Arts Building has been replaced by a tangle of freeways that were built after the city's Black business district was bulldozed in a midcentury urban renewal project.\u003c/p>\n\u003cp>But the health gaps Green labored to narrow still divide this community. And if segregation is less apparent in medical offices today, its legacy lives on in crushing medical debt that disproportionately burdens this city's Black community.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>In and around Knoxville, residents of predominantly Black neighborhoods are more than twice as likely as those in largely white neighborhoods to owe money for medical bills, Urban Institute \u003ca href=\"https://apps.urban.org/features/debt-interactive-map/?type=medical&variable=medcoll&state=47&county=47093\" target=\"_blank\" rel=\"noopener noreferrer\">credit bureau data\u003c/a> shows — it's one of the widest racial disparities in the country.\u003c/p>\n\u003cp>That tracks with a disturbing national trend. Health care debt in the U.S. now affects more than 100 million people, \u003ca href=\"https://khn.org/news/tag/diagnosis-debt/\" target=\"_blank\" rel=\"noopener noreferrer\">a KHN-NPR investigation\u003c/a> found. But the toll has been especially high on Black communities: 56% of Black adults owe money for a medical or dental bill, compared with 37% of white adults, according to \u003ca href=\"https://www.kff.org/health-costs/report/kff-health-care-debt-survey/\" target=\"_blank\" rel=\"noopener noreferrer\">a nationwide KFF poll\u003c/a> conducted for this project.\u003c/p>\n\u003cp>The explanation for that startling disparity is deeply rooted. Decades of discrimination in housing, employment, and health care blocked generations of Black families from building wealth — savings and assets that are increasingly critical to accessing America's high-priced medical system.\u003c/p>\n\u003cp>Against that backdrop, patients suffer. People with debt avoid seeking care and become sicker with treatable chronic conditions like diabetes or multiple sclerosis. Worse still, hospitals and doctors sometimes won't see patients with medical debt — even those in the middle of treatment.\u003c/p>\n\u003cp>\"African Americans don't seek health care until we are really, really sick, and then it costs more,\" said Tabace Burns, a former emergency room nurse in Knoxville. Burns, who is also a leader in her church, said she routinely helps members of her congregation find medical care they should have sought earlier.\u003c/p>\n\u003cp>Nationwide, Black adults who have had health care debt are twice as likely as white adults with such debt to say they've been denied care because they owe money, the KFF poll found. Many Black Americans also ration their care out of fear of cost.\u003c/p>\n\u003cp>Burns recalled a friend who came to see her about an oozing growth on her breast. \"She didn't have any insurance, so she just thought it would get better,\" Burns said.\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"tag":"debt","label":"More Debt-Related Stories "},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Burns helped the woman find an oncologist to treat what turned out to be cancer. There was a cost to waiting so long, though. Because the cancer was so advanced, the friend had to undergo chemotherapy and have both breasts removed.\u003c/p>\n\u003cp>It could have been worse. \"What if she didn't know me? What if she just continued to let her breast leak and it was necrotic?\" Burns said. But, she added, if her friend hadn't been so worried about going into debt, she would have gone to the doctor sooner.\u003c/p>\n\u003cp>It's a terrible cycle, said Berneta Haynes, a staff attorney at the National Consumer Law Center. \"This legacy of segregation and structural racism underlies the racial health gap,\" she said. \"It impacts health outcomes and access. And it impacts the level of medical debt.\"\u003c/p>\n\u003ch3>In 'The Bottom'\u003c/h3>\n\u003cp>The story of how Knoxville's Black residents came to be its primary victims of medical debt is written in the city's changing landscape.\u003c/p>\n\u003cp>Just outside downtown, below refurbished office buildings and former warehouses, is an area once called The Bottom, long the heart of the Black community.\u003c/p>\n\u003cp>This area persevered through decades of Jim Crow segregation and violence. In one of the worst episodes, mobs of white rioters in 1919 vandalized Black-owned stores and shot residents after a young Black man was accused of killing a white woman.\u003c/p>\n\u003cp>It was here that Black physicians like Green opened medical offices alongside grocers, pool halls, and funeral homes. Knoxville's first Black millionaire, a former enslaved man who'd made a fortune in horse racing and saloons, built a YMCA. Billie Holiday and Cab Calloway performed at the Gem Theatre.\u003c/p>\n\u003cp>Beginning in the late 1950s, the city systematically wiped out The Bottom and surrounding neighborhoods in an urban renewal and highway-building campaign. Officials razed more than 500 homes, 15 churches, and more than 100 Black-owned businesses, including Green's medical building.\u003c/p>\n\u003cp>More than 2,500 families were displaced. Many ended up in public housing projects. Others left Knoxville. Businesses never reopened. \"It changed the whole landscape,\" said the Rev. Reneé Kesler, director of the Beck Cultural Exchange Center, a nonprofit that preserves Knoxville's Black history. \"You'll have generations that won't recover from that.\"\u003c/p>\n\u003cp>What urban renewal left behind in East Knoxville was a neighborhood that's the poorest in the city — and has the largest share of Black residents.\u003c/p>\n\u003cp>A tiny fraction of residents are homeowners. Blocks are blighted by boarded-up buildings and overgrown lots. Down the street from Knoxville's oldest Black cemetery, a Dollar General recently closed — one of the few stores around that sold groceries.\u003c/p>\n\u003cp>The neighborhood's residents are sicker than those elsewhere in Knoxville, with higher levels of diabetes and other chronic illnesses. They are less likely to have health insurance.\u003c/p>\n\u003cp>They also have much more medical debt.\u003c/p>\n\u003cp>More than 30% of the people have a medical bill on their credit record, according to credit bureau data collected \u003ca href=\"https://www.urban.org/urban-wire/communities-color-disproportionally-suffer-medical-debt\">by the nonprofit Urban Institute\u003c/a>. A few miles west in Knoxville's overwhelmingly white suburbs, fewer than 10% carry such debt.\u003c/p>\n\u003cp>It's not difficult to understand the difference, said Eboni Winford, a clinical psychologist at Cherokee Health Systems, a network of clinics that serve low-income patients. \"Black people are less likely to have generational wealth to pass on, which means we don't have the pockets of money that we can just use if medical bills arise.\"\u003c/p>\n\u003cp>Nationally, the median white family now has about $184,000 in assets such as homes, savings, and retirement accounts, according to an \u003ca href=\"https://www.stlouisfed.org/on-the-economy/2021/january/wealth-gaps-white-black-hispanic-families-2019\" target=\"_blank\" rel=\"noopener noreferrer\">analysis by the Federal Reserve Bank\u003c/a> of St. Louis. The assets of the median Black family total just $23,000.\u003c/p>\n\u003cp>\"What happened is we concentrated Black poverty,\" said Gwen McKenzie, a Knoxville City Council member who grew up not far from The Bottom. \"From there, that's where it became generational.\"\u003c/p>\n\u003ch3>'Always a sacrifice'\u003c/h3>\n\u003cp>Monica Reed lives just up the hill from where The Bottom once was.\u003c/p>\n\u003cp>She considers herself luckier than most. Born in Knoxville and raised by a single mother, Reed became the first in her family to own a home, a small house built after the city demolished The Bottom. For the past 15 years, she's worked for a faith-based nonprofit that assists low-income residents of Knoxville.\u003c/p>\n\u003cp>\"It hasn't always been easy,\" said Reed, who just turned 60. She raised her son by herself. And though she's always worked, her modest salary made saving difficult. \"I just tried to live a frugal kind of life,\" she said. \"And by the grace of God, I didn't become homeless.\"\u003c/p>\n\u003cp>She couldn't escape medical debt, though. Diagnosed with cancer five years ago, Reed underwent surgery and chemotherapy. Although she had health insurance through work, she was left with close to $10,000 in medical bills she couldn't pay.\u003c/p>\n\u003cp>She's been pursued by debt collectors and even taken to court. That's forced Reed to make difficult choices. \"There's always a sacrifice,\" she said. \"You just do without some things to pay other things.\"\u003c/p>\n\u003cp>Reed said she cut back on trips to the grocery store: \"I don't buy a lot of food. Just plain and simple.\"\u003c/p>\n\u003cp>She has adjusted, she said. \"You just do what you have to do.\" What angers Reed, though, is how she's been treated by the cancer center where she goes for periodic checkups to make sure the cancer remains in remission. When she recently tried to make an appointment, a financial counselor told her she couldn't schedule it until she made a plan to pay her bills.\u003c/p>\n\u003cp>\"I was so upset, I didn't even find out how much I owed,\" Reed said. \"I mean, I wasn't calling about a little toothache. This is something that affects someone's life.\"\u003c/p>\n\u003ch3>Locking in disparities\u003c/h3>\n\u003cp>Health insurance gains made possible by the Affordable Care Act have narrowed some racial health disparities, studies show.\u003c/p>\n\u003cp>The expansion of Medicaid, in particular, has brought new financial security to millions of low-income Americans. In a \u003ca href=\"https://cdn.theatlantic.com/assets/media/files/bgh_draft_2018.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">recent analysis\u003c/a> of credit bureau and census data, researchers estimated that Medicaid expansion helped enrollees avoid more than $1,200 in medical debt.\u003c/p>\n\u003cp>But many of those gains have remained out of reach in Knoxville. Tennessee is among 12 states that have rejected federal funding to expand the Medicaid safety net through the 2010 health care law.\u003c/p>\n\u003cp>Eight of the 12 are Southern states with large Black populations. The decision not to expand has disproportionately affected communities like East Knoxville that are already contending with deep racial disparities in health and wealth.\u003c/p>\n\u003cp>Of the roughly 2.2 million people locked out of health coverage because these states rejected Medicaid expansion, nearly 60% are people of color, according to \u003ca href=\"https://www.kff.org/policy-watch/taking-a-closer-look-at-characteristics-of-people-in-the-coverage-gap/\" target=\"_blank\" rel=\"noopener noreferrer\">a KFF analysis\u003c/a>. About a quarter are Black.\u003c/p>\n\u003cp>Locked out of health insurance, many just try to hang on until they become eligible for Medicare, said Cynthia Finch, an advocate in Knoxville who has worked to improve health in the city's Black community. \"People pray they don't get sick before they are 65,\" she said.\u003c/p>\n\u003cp>If Black patients go into debt, they face yet another challenge: a medical debt collections industry that\u003ca href=\"https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3465203\" target=\"_blank\" rel=\"noopener noreferrer\"> targets Black debtors\u003c/a> more aggressively than their white counterparts, particularly for smaller debts.\u003c/p>\n\u003cp>About 6 in 10 Black adults with medical debts under $2,500 say they or someone in their household has been contacted by a collection agency in the past five years, the KFF poll found. By contrast, only about 4 in 10 white adults with similar debt said the same.\u003c/p>\n\u003cp>At the courthouse in downtown Knoxville, the dockets are filled with debt collection lawsuits filed by some of the region's largest hospitals: Fort Sanders Regional Medical Center, East Tennessee Children's Hospital, and Parkwest Medical Center.\u003c/p>\n\u003cp>That discourages many Black patients from seeking care even if they need it, said Cherokee Health's Derrick Folsom, who helps patients enroll in health insurance. \"Somebody knows somebody who's getting sued for medical bills,\" Folsom said. \"So they stay away from medical centers.\"\u003c/p>\n\u003cp>Reflecting on her experience with medical debt, Reed said she tries to stay upbeat. \"I don't sweat the small stuff,\" she said. \"What am I going to do against this hospital?\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"floatright"},"numeric":["floatright"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>But, she said, she has realized one thing about the nation's health care system: \"It's not designed for poor people.\"\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2022 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Why+Black+Americans+are+more+likely+to+be+saddled+with+medical+debt&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11930534/why-black-americans-are-more-likely-to-be-saddled-with-medical-debt","authors":["byline_news_11930534"],"categories":["news_457","news_8"],"tags":["news_20382","news_18543","news_31924","news_31925"],"featImg":"news_11930535","label":"source_news_11930534"},"news_11923349":{"type":"posts","id":"news_11923349","meta":{"index":"posts_1591205157","site":"news","id":"11923349","score":null,"sort":[1661360441000]},"guestAuthors":[],"slug":"biden-is-canceling-up-to-10k-in-student-loans-20k-for-pell-grant-recipients","title":"Biden Is Canceling up to $10K in Student Loans, $20K for Pell Grant Recipients","publishDate":1661360441,"format":"standard","headTitle":"NPR | KQED News","labelTerm":{"term":253,"site":"news"},"content":"\u003cdiv class=\"storyMajorUpdateDate\">\u003cstrong>Updated August 24, 2022 at 1:18 PM ET\u003c/strong>\u003c/div>\n\u003cp>On Wednesday, President Biden announced a sweeping effort to forgive up to $20,000 of federal student loan debt for Pell Grant recipients, and up to $10,000 for other qualifying borrowers. Biden also extended the federal student loan payment pause through Dec. 31.\u003c/p>\n\u003cp>\"In keeping with my campaign promise, my Administration is announcing a plan to give working and middle class families breathing room as they prepare to resume federal student loan payments in January 2023,\" Biden said in a \u003ca href=\"https://twitter.com/potus/status/1562462774969581570?s=21&t=UJK9CIR6nRX0gqdWgMR-mw\">tweet\u003c/a> on Wednesday.\u003cspan style=\"font-weight: 400;\">[aside postID=news_11923443 hero='https://ww2.kqed.org/app/uploads/sites/10/2022/08/Biden-Student-Debt-1020x678.jpg']\u003c/span>\u003c/p>\n\u003cp>U.S. Secretary of Education Miguel Cardona said in a statement, \"Today, we're delivering targeted relief that will help ensure borrowers are not placed in a worse position financially because of the pandemic, and restore trust in a system that should be creating opportunity, not a debt trap.\"\u003c/p>\n\u003cp>To qualify for the $10,000 forgiveness, individual borrowers must earn less than $125,000 a year, or less than $250,000 a year for couples. To qualify for the $20,000 forgiveness, borrowers must meet those income requirements and must have received a Pell Grant in college. Pell Grants are designed to \u003ca href=\"https://studentaid.gov/understand-aid/types/grants/pell\">help low-income students\u003c/a> pay for higher education.\u003c/p>\n\u003cp>The Department of Education estimates that, among borrowers who are no longer in school, nearly 90% of relief dollars will go to those earning less than $75,000 a year.\u003c/p>\n\u003cp>About 43 million borrowers will benefit, and 20 million will have their debt completely canceled, according to a senior administration official. The White House said more than 60% of current federal student loan borrowers also received Pell Grants.\u003c/p>\n\u003cp>https://twitter.com/NPR/status/1562472935138664448\u003c/p>\n\u003cp>In order to benefit from this announcement, most borrowers will have to submit an application to verify their income. The Education Department said nearly 8 million borrowers already have income information on file, and should qualify to have their debts canceled automatically. The department will announce further details on how borrowers can claim this relief in the weeks ahead.\u003c/p>\n\u003ch2>Some borrowers are celebrating, others hoped for more\u003c/h2>\n\u003cp>Many borrowers are celebrating Biden's announcement: Giselle Parks of Orlando, Florida, expects to have her $5,000 in student loan debt completely erased.\u003c/p>\n\u003cp>[aside label=\"related coverage\" tag=\"student-loans\"]\"Holy cow,\" she said. \"Holy cow... I need to tell my family immediately!\"\u003c/p>\n\u003cp>Trianna Downing in D.C. said she was in shock. \"I can't even process it yet... At first I was, like, dancing, and then I was like, wait, should I log into my account and see if it actually happened?\"\u003c/p>\n\u003cp>Downing expects her debts to drop from $16,000 to $6,000.\u003c/p>\n\u003cp>But some higher-debt borrowers were left disappointed, especially after a group of House and Senate Democrats \u003ca href=\"https://www.warren.senate.gov/newsroom/press-releases/warren-schumer-pressley-colleagues-president-biden-can-and-should-use-executive-action-to-cancel-up-to-50000-in-federal-student-loan-debt-immediately\">had called on Biden\u003c/a> to cancel $50,000 in federal student debt.\u003c/p>\n\u003cp>\"It's hard to be excited about it,\" says Briana Ford of Columbia, S.C. She owes almost $60,000 in student loans.\u003c/p>\n\u003cp>\"I wouldn't give it back, but it's hard to be excited about it.\"\u003c/p>\n\u003cp>Republicans aren't too excited either. They've long argued against broad-based loan forgiveness.\u003c/p>\n\u003cp>\"This is a slap in the face to those who never went to college, as well as borrowers who upheld their responsibility to taxpayers and paid back their loans,\" said Rep. Virginia Foxx of North Carolina, the top Republican on the House Education Committee, in a Tuesday night statement.\u003c/p>\n\u003cp>Many economists and higher education experts also opposed the move, arguing that widespread debt cancellation would do nothing to fix the rising costs of college.\u003c/p>\n\u003cp>\u003ca href=\"https://www.crfb.org/blogs/means-testing-student-debt-cancellation-still-costly-and-regressive\">In a May analysis\u003c/a>, the Committee for a Responsible Federal Budget estimated a policy like the one Biden announced would cost at least $230 billion, and warned that even income limits \"would do almost nothing to alleviate the central issues with the policy, namely that it is regressive, inflationary, expensive, and would likely do more to increase the cost of higher education going forward than to reduce it.\"\u003c/p>\n\u003ch2>Will it make inflation worse?\u003c/h2>\n\u003cp>Experts have expressed concern that broad-based student loan forgiveness would exacerbate inflation, which is already one of Biden's greatest political weaknesses heading into this fall's midterm elections.\u003c/p>\n\u003cp>\"Student loan debt relief is spending that raises demand and increases inflation,\" \u003ca href=\"https://twitter.com/LHSummers/status/1561701544600428545?s=20&t=_cyMqGhYgwtjk-FRQ0undQ\">tweeted\u003c/a> former U.S. Treasury Secretary Lawrence Summers earlier this week.\u003c/p>\n\u003cp>\"It consumes resources that could be better used helping those who did not, for whatever reason, have the chance to attend college. It will also tend to be inflationary by raising tuitions.\"\u003c/p>\n\u003cp>Summers' opposition stirred considerable dissent.\u003c/p>\n\u003cp>\"You have to tell a pretty bizarre story about expectations in order for loan forgiveness to boost inflation,\" \u003ca href=\"https://twitter.com/dynarski/status/1562219895240237057\">responded\u003c/a> Susan Dynarski, an economist and professor at the Harvard Graduate School of Education.\u003c/p>\n\u003cp>\"No one has been making student loan payments for two years. Forgiveness will *not* increase cash flow to borrowers right now. That increase in available cash happened *2 years ago* when payments were suspended.\"\u003c/p>\n\u003ch2>Borrowers have been waiting years for loan forgiveness\u003c/h2>\n\u003cp>The loan forgiveness announcement comes more than two years after then-presidential candidate Joe Biden \u003ca href=\"https://twitter.com/JoeBiden/status/1241869418981920769?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1241869418981920769%7Ctwgr%5Ef647c8db378a99325f87dac930be8cb62765aa1e%7Ctwcon%5Es1_&ref_url=https%3A%2F%2Fwww.npr.org%2F2021%2F12%2F07%2F1062070001%2Fstudent-loan-forgiveness-debt-president-biden-campaign-promise\">pledged to cancel\u003c/a> at least $10,000 in federal student loans. The pledge has followed the administration since. Wednesday's move comes after several extensions to the student loan moratorium, and attempts by some Democrats to expand forgiveness from the original plan to $50,000.\u003c/p>\n\u003cp>In June, an \u003ca href=\"https://www.npr.org/2022/06/17/1104920545/poll-student-loan-forgiveness\">NPR/Ipsos poll\u003c/a> found a majority of the general public (55%) supported forgiving up to $10,000 of a person's federal student loan debt. But the more generous the relief, the more that support narrowed. Forty-seven percent of all respondents said they supported forgiving up to $50,000 in debt, while 41% expressed support for wiping the slate completely clean for all borrowers.\u003c/p>\n\u003cp>Support for debt relief was, not surprisingly, higher among borrowers themselves. But when asked to choose between debt forgiveness and addressing the high cost of college, an overwhelming majority — borrowers and non-borrowers alike — said addressing the rising cost of college was most important.\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2022 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Biden+is+canceling+up+to+%2410K+in+student+loans%2C+%2420K+for+Pell+Grant+recipients&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"President Biden announced a sweeping effort to forgive up to $20,000 of federal student loan debt for Pell Grant recipients, and up to $10,000 for other borrowers making under $125,000 a year.","status":"publish","parent":0,"modified":1661443275,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":29,"wordCount":1040},"headData":{"title":"Biden Is Canceling up to $10K in Student Loans, $20K for Pell Grant Recipients | KQED","description":"President Biden announced a sweeping effort to forgive up to $20,000 of federal student loan debt for Pell Grant recipients, and up to $10,000 for other borrowers making under $125,000 a year.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"Biden Is Canceling up to $10K in Student Loans, $20K for Pell Grant Recipients","datePublished":"2022-08-24T17:00:41.000Z","dateModified":"2022-08-25T16:01:15.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11923349 https://ww2.kqed.org/news/?p=11923349","disqusUrl":"https://ww2.kqed.org/news/2022/08/24/biden-is-canceling-up-to-10k-in-student-loans-20k-for-pell-grant-recipients/","disqusTitle":"Biden Is Canceling up to $10K in Student Loans, $20K for Pell Grant Recipients","nprImageCredit":"Brendan Smialowski","nprByline":"Cory Turner and Sequoia Carrillo","nprImageAgency":"AFP via Getty Images","nprStoryId":"1118879917","nprApiLink":"http://api.npr.org/query?id=1118879917&apiKey=MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004","nprHtmlLink":"https://www.npr.org/2022/08/24/1118879917/student-loan-forgiveness-biden?ft=nprml&f=1118879917","nprRetrievedStory":"1","nprPubDate":"Wed, 24 Aug 2022 13:17:00 -0400","nprStoryDate":"Wed, 24 Aug 2022 12:17:41 -0400","nprLastModifiedDate":"Wed, 24 Aug 2022 13:17:50 -0400","excludeFromSiteSearch":"Include","showOnAuthorArchivePages":"No","path":"/news/11923349/biden-is-canceling-up-to-10k-in-student-loans-20k-for-pell-grant-recipients","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cdiv class=\"storyMajorUpdateDate\">\u003cstrong>Updated August 24, 2022 at 1:18 PM ET\u003c/strong>\u003c/div>\n\u003cp>On Wednesday, President Biden announced a sweeping effort to forgive up to $20,000 of federal student loan debt for Pell Grant recipients, and up to $10,000 for other qualifying borrowers. Biden also extended the federal student loan payment pause through Dec. 31.\u003c/p>\n\u003cp>\"In keeping with my campaign promise, my Administration is announcing a plan to give working and middle class families breathing room as they prepare to resume federal student loan payments in January 2023,\" Biden said in a \u003ca href=\"https://twitter.com/potus/status/1562462774969581570?s=21&t=UJK9CIR6nRX0gqdWgMR-mw\">tweet\u003c/a> on Wednesday.\u003cspan style=\"font-weight: 400;\">\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"postid":"news_11923443","hero":"https://ww2.kqed.org/app/uploads/sites/10/2022/08/Biden-Student-Debt-1020x678.jpg","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/span>\u003c/p>\n\u003cp>U.S. Secretary of Education Miguel Cardona said in a statement, \"Today, we're delivering targeted relief that will help ensure borrowers are not placed in a worse position financially because of the pandemic, and restore trust in a system that should be creating opportunity, not a debt trap.\"\u003c/p>\n\u003cp>To qualify for the $10,000 forgiveness, individual borrowers must earn less than $125,000 a year, or less than $250,000 a year for couples. To qualify for the $20,000 forgiveness, borrowers must meet those income requirements and must have received a Pell Grant in college. Pell Grants are designed to \u003ca href=\"https://studentaid.gov/understand-aid/types/grants/pell\">help low-income students\u003c/a> pay for higher education.\u003c/p>\n\u003cp>The Department of Education estimates that, among borrowers who are no longer in school, nearly 90% of relief dollars will go to those earning less than $75,000 a year.\u003c/p>\n\u003cp>About 43 million borrowers will benefit, and 20 million will have their debt completely canceled, according to a senior administration official. The White House said more than 60% of current federal student loan borrowers also received Pell Grants.\u003c/p>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"singleTwitterStatus","attributes":{"named":{"id":"1562472935138664448"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\n\u003cp>In order to benefit from this announcement, most borrowers will have to submit an application to verify their income. The Education Department said nearly 8 million borrowers already have income information on file, and should qualify to have their debts canceled automatically. The department will announce further details on how borrowers can claim this relief in the weeks ahead.\u003c/p>\n\u003ch2>Some borrowers are celebrating, others hoped for more\u003c/h2>\n\u003cp>Many borrowers are celebrating Biden's announcement: Giselle Parks of Orlando, Florida, expects to have her $5,000 in student loan debt completely erased.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"related coverage ","tag":"student-loans"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\"Holy cow,\" she said. \"Holy cow... I need to tell my family immediately!\"\u003c/p>\n\u003cp>Trianna Downing in D.C. said she was in shock. \"I can't even process it yet... At first I was, like, dancing, and then I was like, wait, should I log into my account and see if it actually happened?\"\u003c/p>\n\u003cp>Downing expects her debts to drop from $16,000 to $6,000.\u003c/p>\n\u003cp>But some higher-debt borrowers were left disappointed, especially after a group of House and Senate Democrats \u003ca href=\"https://www.warren.senate.gov/newsroom/press-releases/warren-schumer-pressley-colleagues-president-biden-can-and-should-use-executive-action-to-cancel-up-to-50000-in-federal-student-loan-debt-immediately\">had called on Biden\u003c/a> to cancel $50,000 in federal student debt.\u003c/p>\n\u003cp>\"It's hard to be excited about it,\" says Briana Ford of Columbia, S.C. She owes almost $60,000 in student loans.\u003c/p>\n\u003cp>\"I wouldn't give it back, but it's hard to be excited about it.\"\u003c/p>\n\u003cp>Republicans aren't too excited either. They've long argued against broad-based loan forgiveness.\u003c/p>\n\u003cp>\"This is a slap in the face to those who never went to college, as well as borrowers who upheld their responsibility to taxpayers and paid back their loans,\" said Rep. Virginia Foxx of North Carolina, the top Republican on the House Education Committee, in a Tuesday night statement.\u003c/p>\n\u003cp>Many economists and higher education experts also opposed the move, arguing that widespread debt cancellation would do nothing to fix the rising costs of college.\u003c/p>\n\u003cp>\u003ca href=\"https://www.crfb.org/blogs/means-testing-student-debt-cancellation-still-costly-and-regressive\">In a May analysis\u003c/a>, the Committee for a Responsible Federal Budget estimated a policy like the one Biden announced would cost at least $230 billion, and warned that even income limits \"would do almost nothing to alleviate the central issues with the policy, namely that it is regressive, inflationary, expensive, and would likely do more to increase the cost of higher education going forward than to reduce it.\"\u003c/p>\n\u003ch2>Will it make inflation worse?\u003c/h2>\n\u003cp>Experts have expressed concern that broad-based student loan forgiveness would exacerbate inflation, which is already one of Biden's greatest political weaknesses heading into this fall's midterm elections.\u003c/p>\n\u003cp>\"Student loan debt relief is spending that raises demand and increases inflation,\" \u003ca href=\"https://twitter.com/LHSummers/status/1561701544600428545?s=20&t=_cyMqGhYgwtjk-FRQ0undQ\">tweeted\u003c/a> former U.S. Treasury Secretary Lawrence Summers earlier this week.\u003c/p>\n\u003cp>\"It consumes resources that could be better used helping those who did not, for whatever reason, have the chance to attend college. It will also tend to be inflationary by raising tuitions.\"\u003c/p>\n\u003cp>Summers' opposition stirred considerable dissent.\u003c/p>\n\u003cp>\"You have to tell a pretty bizarre story about expectations in order for loan forgiveness to boost inflation,\" \u003ca href=\"https://twitter.com/dynarski/status/1562219895240237057\">responded\u003c/a> Susan Dynarski, an economist and professor at the Harvard Graduate School of Education.\u003c/p>\n\u003cp>\"No one has been making student loan payments for two years. Forgiveness will *not* increase cash flow to borrowers right now. That increase in available cash happened *2 years ago* when payments were suspended.\"\u003c/p>\n\u003ch2>Borrowers have been waiting years for loan forgiveness\u003c/h2>\n\u003cp>The loan forgiveness announcement comes more than two years after then-presidential candidate Joe Biden \u003ca href=\"https://twitter.com/JoeBiden/status/1241869418981920769?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1241869418981920769%7Ctwgr%5Ef647c8db378a99325f87dac930be8cb62765aa1e%7Ctwcon%5Es1_&ref_url=https%3A%2F%2Fwww.npr.org%2F2021%2F12%2F07%2F1062070001%2Fstudent-loan-forgiveness-debt-president-biden-campaign-promise\">pledged to cancel\u003c/a> at least $10,000 in federal student loans. The pledge has followed the administration since. Wednesday's move comes after several extensions to the student loan moratorium, and attempts by some Democrats to expand forgiveness from the original plan to $50,000.\u003c/p>\n\u003cp>In June, an \u003ca href=\"https://www.npr.org/2022/06/17/1104920545/poll-student-loan-forgiveness\">NPR/Ipsos poll\u003c/a> found a majority of the general public (55%) supported forgiving up to $10,000 of a person's federal student loan debt. But the more generous the relief, the more that support narrowed. Forty-seven percent of all respondents said they supported forgiving up to $50,000 in debt, while 41% expressed support for wiping the slate completely clean for all borrowers.\u003c/p>\n\u003cp>Support for debt relief was, not surprisingly, higher among borrowers themselves. But when asked to choose between debt forgiveness and addressing the high cost of college, an overwhelming majority — borrowers and non-borrowers alike — said addressing the rising cost of college was most important.\u003c/p>\n\u003cdiv class=\"fullattribution\">Copyright 2022 NPR. To see more, visit https://www.npr.org.\u003cimg src=\"https://www.google-analytics.com/__utm.gif?utmac=UA-5828686-4&utmdt=Biden+is+canceling+up+to+%2410K+in+student+loans%2C+%2420K+for+Pell+Grant+recipients&utme=8(APIKey)9(MDAxOTAwOTE4MDEyMTkxMDAzNjczZDljZA004)\">\u003c/div>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11923349/biden-is-canceling-up-to-10k-in-student-loans-20k-for-pell-grant-recipients","authors":["byline_news_11923349"],"categories":["news_8"],"tags":["news_29052","news_20382","news_20013","news_27626","news_31498","news_25522","news_25523"],"affiliates":["news_253"],"featImg":"news_11923350","label":"news_253"},"news_11831241":{"type":"posts","id":"news_11831241","meta":{"index":"posts_1591205157","site":"news","id":"11831241","score":null,"sort":[1596574463000]},"guestAuthors":[],"slug":"first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","title":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling","publishDate":1596574463,"format":"standard","headTitle":"KQED News","labelTerm":{"site":"news"},"content":"\u003cp>Thousands of Californians are struggling to pay their bills during one of the nation's worst health crises, which has wiped out millions of jobs and left many businesses hobbling. But despite their financial hardships, many are being asked to pay their debts or have their wages garnished in the middle of a global pandemic.\u003c/p>\n\u003cp>Richard Gonzales works as a mechanical engineer in San Jose. Before the pandemic hit, he was using the extra money he made to pay for continuing education classes. But since May, he's been furloughed.\u003c/p>\n\u003cp>\"I just went back to work a couple weeks ago,\" Gonzales said. \"And that's on a day-by-day basis at this time.\"\u003c/p>\n\u003cp>Gonzales is afraid he'll get laid off. He wasn't able to pay his rent while he was furloughed, but San Jose and many other cities in the Bay Area have \u003ca href=\"https://www.sanjoseca.gov/your-government/departments-offices/housing/eviction-moratorium\">eviction moratoriums\u003c/a> in place, which prohibit landlords from evicting their tenants if they can't pay rent due to financial hardships brought on by the pandemic.\u003c/p>\n\u003cp>San Jose's moratorium ends on Aug. 31, and Gonzales' landlord has already threatened to evict him if he doesn't pay his back-rent.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\"It's become difficult to pay it. And I have every intention [of paying the rent] because I've never had any problems like this,\" Gonzales said. \"But it's making me worried and stressed out about ... am I going to be able to do it.\"\u003c/p>\n\u003cp>Last month, the Federal Reserve released a \u003ca href=\"https://www.federalreserve.gov/releases/z1/20200611/html/introductory_text.htm\">report\u003c/a> showing that household debt increased by almost 4% across the United States in the first quarter.\u003c/p>\n\u003cp>Kiran Sidhu, policy counsel for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, has been seeing debt collection cases from people who are already struggling financially, and particularly from borrowers of color.\u003c/p>\n\u003cp>\"Debt collection cases disproportionately impact borrowers of color and we can expect these debt collection cases are going to increase because of the situation that existed before the pandemic even began,\" Sidhu said. \"We can imagine that debt collection cases are going to be on the rise.\"\u003c/p>\n\u003cp>[pullquote size=\"medium\" align=\"right\" citation=\"Jessica Nowlan, Young Women's Freedom Center executive director\"]'I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family.'[/pullquote]\u003c/p>\n\u003cp>Back in April, Gov. Gavin Newsom signed an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2020/04/4.23.20-EO-N-57-20-text.pdf\">executive order\u003c/a> to stop debt collectors from garnishing COVID-19 stimulus checks. He also provided relief for private student loan borrowers. But Sidhu doesn't believe this relief is enough to save families struggling from debt, especially as the pandemic continues.\u003c/p>\n\u003cp>\"States should really be careful about how they begin to reopen and continue business as usual,\" Sidhu said. \"Families still have not recovered from the 2008 financial recession and this on top of that is going to exacerbate issues for folks who are already reeling.\"\u003c/p>\n\u003cp>Jessica Nowlan's debt fits into that category. She lives in Oakland with her three kids and, after experiencing homelessness for several years, worked her way up to become executive director of the \u003ca href=\"https://www.youngwomenfree.org/\">Young Women's Freedom Center\u003c/a>, a local nonprofit.\u003c/p>\n\u003cp>\"I think that I finally felt like a grown-up. I can take care of myself. I just moved, I bought a couch,\" Nowlan said.\u003c/p>\n\u003cfigure id=\"attachment_11831725\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11831725\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg\" alt=\"Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan.jpg 960w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway. \u003ccite>(Photo Courtesy of Jessica Nowlan)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because of her low-income status, she was used to receiving tax credits every year. Since starting her role as executive director of her organization, she has instead owed money to the IRS when she filed taxes. But Nowlan didn't realize that and now owes the IRS over $20,000 in back taxes. Two weeks ago, the IRS garnished $6,000 from her bank account.\u003c/p>\n\u003cp>\"I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family,\" Nowlan said.\u003c/p>\n\u003cp>She's now on a six-year payment plan with the IRS to pay those back taxes, but there won't be a lot of money left in her account for extra purchases.\u003c/p>\n\u003cp>[aside label=\"Coronavirus Resources\" tag=\"resource\"]\u003c/p>\n\u003cp>Sharon Djemal, director of the Consumer Justice Clinic at the \u003ca href=\"https://ebclc.org/\">East Bay Community Law Center\u003c/a>, is getting calls from clients concerned about the debt they're accumulating now, on top of the debt they already had pre-pandemic.\u003c/p>\n\u003cp>\"People are getting lots of calls and are very stressed about getting calls or letters regarding some of the debt they've accumulated over the past few months,\" Djemal said.\u003c/p>\n\u003cp>She says it can take a year for a case to get into the court system and she expects to see a deluge of cases next year because of debt accumulated during the pandemic. The cases she handles today are related to pre-pandemic debt.\u003c/p>\n\u003cp>On the legislative front, state Sen. Bob Wieckowski, D-Fremont, has been working on bills to reform the debt collection process.\u003c/p>\n\u003cp>His legislation, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB616\">Senate Bill 616\u003c/a>, which passed in 2019, prohibits debt collectors from cleaning out bank accounts. Starting in September, collectors will have to leave at least \u003ca href=\"https://wclp.org/press-release-governor-signs-bill-stopping-debt-collectors-from-draining-bank-accounts/\">$1,724\u003c/a> in a family's bank account — enough to provide a \"minimum basic standard of adequate care for a family of four.\"\u003c/p>\n\u003cp>Wieckowski is working on another bill, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB908\">SB 908\u003c/a>, which would expand oversight on debt collectors.\u003c/p>\n\u003cp>\"There's no regulation, there's no licensing,\" Wieckowski said. \"It's nothing new — it's the crescendo now because there's so many more people that are financially vulnerable.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>SB 908 passed the state Senate in late June and is now waiting for an Assembly vote.\u003c/p>\n\n","blocks":[],"excerpt":"Even as millions of Californians have filed for unemployment during the coronavirus pandemic, many who are already financially vulnerable are being asked to pay back their debts.","status":"publish","parent":0,"modified":1596581015,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":28,"wordCount":976},"headData":{"title":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling | KQED","description":"Even as millions of Californians have filed for unemployment during the coronavirus pandemic, many who are already financially vulnerable are being asked to pay back their debts.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling","datePublished":"2020-08-04T20:54:23.000Z","dateModified":"2020-08-04T22:43:35.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11831241 https://ww2.kqed.org/news/?p=11831241","disqusUrl":"https://ww2.kqed.org/news/2020/08/04/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling/","disqusTitle":"First the Pandemic Hit, Then the Recession – Now Debt Collectors Are Calling","audioUrl":"https://traffic.omny.fm/d/clips/0af137ef-751e-4b19-a055-aaef00d2d578/ffca7e9f-6831-41c5-bcaf-aaef00f5a073/bebf602d-0beb-4b39-9477-ac070128a539/audio.mp3","path":"/news/11831241/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","audioDuration":213000,"audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Thousands of Californians are struggling to pay their bills during one of the nation's worst health crises, which has wiped out millions of jobs and left many businesses hobbling. But despite their financial hardships, many are being asked to pay their debts or have their wages garnished in the middle of a global pandemic.\u003c/p>\n\u003cp>Richard Gonzales works as a mechanical engineer in San Jose. Before the pandemic hit, he was using the extra money he made to pay for continuing education classes. But since May, he's been furloughed.\u003c/p>\n\u003cp>\"I just went back to work a couple weeks ago,\" Gonzales said. \"And that's on a day-by-day basis at this time.\"\u003c/p>\n\u003cp>Gonzales is afraid he'll get laid off. He wasn't able to pay his rent while he was furloughed, but San Jose and many other cities in the Bay Area have \u003ca href=\"https://www.sanjoseca.gov/your-government/departments-offices/housing/eviction-moratorium\">eviction moratoriums\u003c/a> in place, which prohibit landlords from evicting their tenants if they can't pay rent due to financial hardships brought on by the pandemic.\u003c/p>\n\u003cp>San Jose's moratorium ends on Aug. 31, and Gonzales' landlord has already threatened to evict him if he doesn't pay his back-rent.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\"It's become difficult to pay it. And I have every intention [of paying the rent] because I've never had any problems like this,\" Gonzales said. \"But it's making me worried and stressed out about ... am I going to be able to do it.\"\u003c/p>\n\u003cp>Last month, the Federal Reserve released a \u003ca href=\"https://www.federalreserve.gov/releases/z1/20200611/html/introductory_text.htm\">report\u003c/a> showing that household debt increased by almost 4% across the United States in the first quarter.\u003c/p>\n\u003cp>Kiran Sidhu, policy counsel for the \u003ca href=\"https://www.responsiblelending.org/\">Center for Responsible Lending\u003c/a>, has been seeing debt collection cases from people who are already struggling financially, and particularly from borrowers of color.\u003c/p>\n\u003cp>\"Debt collection cases disproportionately impact borrowers of color and we can expect these debt collection cases are going to increase because of the situation that existed before the pandemic even began,\" Sidhu said. \"We can imagine that debt collection cases are going to be on the rise.\"\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"'I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family.'","name":"pullquote","attributes":{"named":{"size":"medium","align":"right","citation":"Jessica Nowlan, Young Women's Freedom Center executive director","label":""},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Back in April, Gov. Gavin Newsom signed an \u003ca href=\"https://www.gov.ca.gov/wp-content/uploads/2020/04/4.23.20-EO-N-57-20-text.pdf\">executive order\u003c/a> to stop debt collectors from garnishing COVID-19 stimulus checks. He also provided relief for private student loan borrowers. But Sidhu doesn't believe this relief is enough to save families struggling from debt, especially as the pandemic continues.\u003c/p>\n\u003cp>\"States should really be careful about how they begin to reopen and continue business as usual,\" Sidhu said. \"Families still have not recovered from the 2008 financial recession and this on top of that is going to exacerbate issues for folks who are already reeling.\"\u003c/p>\n\u003cp>Jessica Nowlan's debt fits into that category. She lives in Oakland with her three kids and, after experiencing homelessness for several years, worked her way up to become executive director of the \u003ca href=\"https://www.youngwomenfree.org/\">Young Women's Freedom Center\u003c/a>, a local nonprofit.\u003c/p>\n\u003cp>\"I think that I finally felt like a grown-up. I can take care of myself. I just moved, I bought a couch,\" Nowlan said.\u003c/p>\n\u003cfigure id=\"attachment_11831725\" class=\"wp-caption aligncenter\" style=\"max-width: 800px\">\u003cimg class=\"size-medium wp-image-11831725\" src=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg\" alt=\"Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway.\" width=\"800\" height=\"533\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-800x533.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan-160x107.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2020/08/Jessica-Nowlan.jpg 960w\" sizes=\"(max-width: 800px) 100vw, 800px\">\u003cfigcaption class=\"wp-caption-text\">Jessica Nowlan lives in Oakland with her sons, Myles Green (left) and James Green (right) in Oakland. Money has been tight during the pandemic, but debt collectors are knocking on her door anyway. \u003ccite>(Photo Courtesy of Jessica Nowlan)\u003c/cite>\u003c/figcaption>\u003c/figure>\n\u003cp>Because of her low-income status, she was used to receiving tax credits every year. Since starting her role as executive director of her organization, she has instead owed money to the IRS when she filed taxes. But Nowlan didn't realize that and now owes the IRS over $20,000 in back taxes. Two weeks ago, the IRS garnished $6,000 from her bank account.\u003c/p>\n\u003cp>\"I have a history of poverty that I haven't been able to climb out of. And so a hit from the IRS was pretty devastating to my family,\" Nowlan said.\u003c/p>\n\u003cp>She's now on a six-year payment plan with the IRS to pay those back taxes, but there won't be a lot of money left in her account for extra purchases.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Coronavirus Resources ","tag":"resource"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Sharon Djemal, director of the Consumer Justice Clinic at the \u003ca href=\"https://ebclc.org/\">East Bay Community Law Center\u003c/a>, is getting calls from clients concerned about the debt they're accumulating now, on top of the debt they already had pre-pandemic.\u003c/p>\n\u003cp>\"People are getting lots of calls and are very stressed about getting calls or letters regarding some of the debt they've accumulated over the past few months,\" Djemal said.\u003c/p>\n\u003cp>She says it can take a year for a case to get into the court system and she expects to see a deluge of cases next year because of debt accumulated during the pandemic. The cases she handles today are related to pre-pandemic debt.\u003c/p>\n\u003cp>On the legislative front, state Sen. Bob Wieckowski, D-Fremont, has been working on bills to reform the debt collection process.\u003c/p>\n\u003cp>His legislation, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201920200SB616\">Senate Bill 616\u003c/a>, which passed in 2019, prohibits debt collectors from cleaning out bank accounts. Starting in September, collectors will have to leave at least \u003ca href=\"https://wclp.org/press-release-governor-signs-bill-stopping-debt-collectors-from-draining-bank-accounts/\">$1,724\u003c/a> in a family's bank account — enough to provide a \"minimum basic standard of adequate care for a family of four.\"\u003c/p>\n\u003cp>Wieckowski is working on another bill, \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200SB908\">SB 908\u003c/a>, which would expand oversight on debt collectors.\u003c/p>\n\u003cp>\"There's no regulation, there's no licensing,\" Wieckowski said. \"It's nothing new — it's the crescendo now because there's so many more people that are financially vulnerable.\"\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>SB 908 passed the state Senate in late June and is now waiting for an Assembly vote.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11831241/first-the-pandemic-hit-then-the-recession-now-debt-collectors-are-calling","authors":["11672"],"categories":["news_1758","news_8"],"tags":["news_27510","news_27350","news_27504","news_20382","news_27701","news_18","news_20704","news_353","news_25522"],"featImg":"news_11831720","label":"news"},"news_11742827":{"type":"posts","id":"news_11742827","meta":{"index":"posts_1591205157","site":"news","id":"11742827","score":null,"sort":[1556221470000]},"guestAuthors":[],"slug":"as-trump-rolls-back-student-loan-protections-an-obama-era-watchdog-brings-the-fight-to-california","title":"As Trump Rolls Back Student Loan Protections, An Obama-Era Watchdog Brings the Fight to California","publishDate":1556221470,"format":"standard","headTitle":"As Trump Rolls Back Student Loan Protections, An Obama-Era Watchdog Brings the Fight to California | KQED","labelTerm":{},"content":"\u003cp>Seth Frotman spent years dealing with the fallout of the education debt crisis as the student loan ombudsman for the federal Consumer Financial Protection Bureau before \u003ca href=\"https://www.npr.org/2018/08/27/642199524/student-loan-watchdog-quits-blames-trump-administration\" target=\"_blank\" rel=\"noopener\">resigning in protest\u003c/a>\u003ca href=\"https://www.npr.org/2018/08/27/642199524/student-loan-watchdog-quits-blames-trump-administration\" target=\"_blank\" rel=\"noopener\"> \u003c/a>in the wake of President Donald Trump’s election.\u003c/p>\n\u003cp>[aside label=\"Related\" tag=\"student-loans\"]\u003cbr>\nNow he’s bringing his borrower-protection crusade to California.\u003c/p>\n\u003cp>The state’s massive population and reputation for consumer protection, he says, make it the perfect laboratory for testing whether more regulation of loan servicers can keep student debt in check.\u003c/p>\n\u003cp>Californians hold about a tenth of the nation’s $1.5 trillion in student debt, according to data compiled by Frotman’s non-profit, the \u003ca href=\"https://protectborrowers.org/\" target=\"_blank\" rel=\"noopener\">Student Borrower Protection Center.\u003c/a> The group is sponsoring \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB376\">a bill \u003c/a>in the Legislature that would establish a borrower’s bill of rights, hire a state borrower advocate to respond to consumer complaints and monitor loan servicers’ performance.\u003c/p>\n\u003cp>Carried by Assemblyman Mark Stone, a Democrat from Scotts Valley, the legislation, which advanced out of the Assembly Banking Committee on Monday, wouldn’t keep students from taking on debt, but Frotman believes it could combat the kinds of servicer abuses he saw while working for the federal government.\u003c/p>\n\u003cp>“This is a generation that gets a bad rap,” said Frotman. ‘“Oh, you have too much student debt because you eat too much avocado toast.’ But that couldn’t be further from the truth.”\u003cstrong> \u003c/strong>\u003c/p>\n\u003cp>The 60,000 student borrower complaints Frotman and his team handled, he says, “reflected people desperately trying to pay their bills and running into traps at every point.”\u003c/p>\n\u003cfigure id=\"attachment_11742835\" class=\"wp-caption alignright\" style=\"max-width: 640px\">\u003ca href=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/04/ca-student-debt.jpg\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-large wp-image-11742835\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/04/ca-student-debt-1020x1949.jpg\" alt=\"\" width=\"640\" height=\"1223\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-1020x1949.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-160x306.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-800x1529.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-628x1200.jpg 628w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-1920x3669.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt.jpg 1072w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Graphic by CALMatters\u003c/figcaption>\u003c/figure>\n\u003cp>Among the problems Frotman documented: Companies applying payments in a way that increased fees and interest. Borrowers who were transferred to a new servicer and no longer got credit for payments they’d already made. Borrowers who were eligible for an income-based repayment plan but didn’t realize it, and ended up going into default.\u003c/p>\n\u003cp>California is currently suing Navient, one of the country’s largest student loan servicers, alleging that the company failed to advise struggling borrowers that they were eligible for reduced payments, instead steering them into forbearances that delayed repayment but allowed interest to accumulate.\u003c/p>\n\u003cp>The \u003ca href=\"https://slsa.net/\" target=\"_blank\" rel=\"noopener\">Student Loan Servicing Alliance\u003c/a>, an association of major servicers, opposes the legislation but did not respond to requests for comment or send a representative to the committee hearing where Stone’s bill passed Monday. The measure now heads to the Assembly’s appropriations committee.\u003c/p>\n\u003cp>Assemblyman Steven Choi, a Republican from Irvine, was among those who chose not to vote on the bill, saying he feared it would encourage frivolous lawsuits.\u003c/p>\n\u003cp>California undergraduates take out smaller loans on average than those in most other states — in part due to the state’s relatively generous financial aid. But student loan debt in the state still has more than doubled since 2008, and disproportionately affects low-income communities and people of color.\u003c/p>\n\u003cp>\u003ca href=\"https://www.sfchronicle.com/file/429/5/4295-student-loan-debt-in-the-bay-area.pdf\" target=\"_blank\" rel=\"noopener\">A study\u003c/a> released Tuesday by the Federal Reserve Bank of San Francisco and that city’s treasurer, found that one in six Bay Area borrowers had defaulted in the past 15 years. In the neighborhoods with the highest concentration of black and Latino residents, the default rate was over 23 percent.\u003c/p>\n\u003cp>California last year began requiring all student loan servicers to be licensed by the state’s \u003ca href=\"http://www.dbo.ca.gov/\" target=\"_blank\" rel=\"noopener\">Department of Business Oversight\u003c/a>. But Stone, who also authored that legislation, said that only some servicers are complying.\u003c/p>\n\u003cp>\u003cb>Top 10 Bay Area ZIP codes with the highest percentages of student loan borrowers who are 90+ days delinquent (March 2018)\u003c/b>\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" width=\"1000\" height=\"600\" frameborder=\"0\" src=\"https://mgreen.carto.com/builder/2b5eecc9-b501-4abc-9e7c-be8521c65c91/embed\" scrolling=\"yes\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003ch6>Source: FRBNY Consumer Credit Panel/Equifax Data; American Community Survey (via Student Debt in Bay Area report)\u003c/h6>\n\u003cp> \u003c/p>\n\u003cp>“They are essentially thumbing their nose,” he said at Monday’s hearing. “They’re operating in their own best interest, not in the interest of borrowers.”\u003c/p>\n\u003cp>The country’s skyrocketing student loan debt has increasingly drawn the attention of national policymakers. U.S. Sen. Elizabeth Warren, D-Massachusetts, who’s running for president in 2020, \u003ca href=\"https://www.npr.org/2019/04/22/715956948/elizabeth-warren-wants-to-erase-most-student-loan-debt\" target=\"_blank\" rel=\"noopener\">made headlines \u003c/a>this week when she proposed canceling student debt for most borrowers and eliminating tuition at public colleges.\u003c/p>\n\u003cp>Rather than upending the student loan system as Warren proposes, the California bill would cope with some of its worst consequences, said Sandy Baum, a fellow at the Urban Institute who studies college access and pricing.\u003c/p>\n\u003cp>“It says, ‘We know students have debt, we know debt is manageable for many students, but we also know students run into problems, and we want a support system for those students.’”\u003c/p>\n\u003cp>If the bill passes, California could once again provide an example for states looking to increase their own oversight powers amid a \u003ca href=\"https://consumerfed.org/wp-content/uploads/2019/03/CFPB-Enforcement-in-Decline.pdf\" target=\"_blank\" rel=\"noopener\">steep decline\u003c/a> in federal enforcement of consumer protection laws.\u003c/p>\n\u003cp>“The federal government is not going to ride to the rescue,” said Frotman. “There is no cavalry on the horizon.”\u003c/p>\n\u003cp>\u003cem>This story and other higher education coverage are supported by the College Futures Foundation.\u003c/em>\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"http://calmatters.org/\">\u003cbr>\nCALmatters.org\u003c/a> is a nonprofit, nonpartisan media venture explaining California policies and politics.\u003c/em>\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>\u003c/p>\n","blocks":[],"excerpt":"With student debt soaring, consumer advocate Seth Frotman has taken his federal fight against predatory lending to California.\r\n","status":"publish","parent":0,"modified":1556221588,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":true,"iframeSrcs":["https://mgreen.carto.com/builder/2b5eecc9-b501-4abc-9e7c-be8521c65c91/embed"],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":26,"wordCount":883},"headData":{"title":"As Trump Rolls Back Student Loan Protections, An Obama-Era Watchdog Brings the Fight to California | KQED","description":"With student debt soaring, consumer advocate Seth Frotman has taken his federal fight against predatory lending to California.\r\n","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"As Trump Rolls Back Student Loan Protections, An Obama-Era Watchdog Brings the Fight to California","datePublished":"2019-04-25T19:44:30.000Z","dateModified":"2019-04-25T19:46:28.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"source":"CALmatters","sourceUrl":"https://calmatters.org/","nprByline":"\u003ca href=\"https://calmatters.org/articles/author/feliciacalmatters-org/\">Felicia Mello\u003c/a>","path":"/news/11742827/as-trump-rolls-back-student-loan-protections-an-obama-era-watchdog-brings-the-fight-to-california","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>Seth Frotman spent years dealing with the fallout of the education debt crisis as the student loan ombudsman for the federal Consumer Financial Protection Bureau before \u003ca href=\"https://www.npr.org/2018/08/27/642199524/student-loan-watchdog-quits-blames-trump-administration\" target=\"_blank\" rel=\"noopener\">resigning in protest\u003c/a>\u003ca href=\"https://www.npr.org/2018/08/27/642199524/student-loan-watchdog-quits-blames-trump-administration\" target=\"_blank\" rel=\"noopener\"> \u003c/a>in the wake of President Donald Trump’s election.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"aside","attributes":{"named":{"label":"Related ","tag":"student-loans"},"numeric":[]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cbr>\nNow he’s bringing his borrower-protection crusade to California.\u003c/p>\n\u003cp>The state’s massive population and reputation for consumer protection, he says, make it the perfect laboratory for testing whether more regulation of loan servicers can keep student debt in check.\u003c/p>\n\u003cp>Californians hold about a tenth of the nation’s $1.5 trillion in student debt, according to data compiled by Frotman’s non-profit, the \u003ca href=\"https://protectborrowers.org/\" target=\"_blank\" rel=\"noopener\">Student Borrower Protection Center.\u003c/a> The group is sponsoring \u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201920200AB376\">a bill \u003c/a>in the Legislature that would establish a borrower’s bill of rights, hire a state borrower advocate to respond to consumer complaints and monitor loan servicers’ performance.\u003c/p>\n\u003cp>Carried by Assemblyman Mark Stone, a Democrat from Scotts Valley, the legislation, which advanced out of the Assembly Banking Committee on Monday, wouldn’t keep students from taking on debt, but Frotman believes it could combat the kinds of servicer abuses he saw while working for the federal government.\u003c/p>\n\u003cp>“This is a generation that gets a bad rap,” said Frotman. ‘“Oh, you have too much student debt because you eat too much avocado toast.’ But that couldn’t be further from the truth.”\u003cstrong> \u003c/strong>\u003c/p>\n\u003cp>The 60,000 student borrower complaints Frotman and his team handled, he says, “reflected people desperately trying to pay their bills and running into traps at every point.”\u003c/p>\n\u003cfigure id=\"attachment_11742835\" class=\"wp-caption alignright\" style=\"max-width: 640px\">\u003ca href=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/04/ca-student-debt.jpg\">\u003cimg decoding=\"async\" loading=\"lazy\" class=\"size-large wp-image-11742835\" src=\"https://ww2.kqed.org/news/wp-content/uploads/sites/10/2019/04/ca-student-debt-1020x1949.jpg\" alt=\"\" width=\"640\" height=\"1223\" srcset=\"https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-1020x1949.jpg 1020w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-160x306.jpg 160w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-800x1529.jpg 800w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-628x1200.jpg 628w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt-1920x3669.jpg 1920w, https://ww2.kqed.org/app/uploads/sites/10/2019/04/ca-student-debt.jpg 1072w\" sizes=\"(max-width: 640px) 100vw, 640px\">\u003c/a>\u003cfigcaption class=\"wp-caption-text\">Graphic by CALMatters\u003c/figcaption>\u003c/figure>\n\u003cp>Among the problems Frotman documented: Companies applying payments in a way that increased fees and interest. Borrowers who were transferred to a new servicer and no longer got credit for payments they’d already made. Borrowers who were eligible for an income-based repayment plan but didn’t realize it, and ended up going into default.\u003c/p>\n\u003cp>California is currently suing Navient, one of the country’s largest student loan servicers, alleging that the company failed to advise struggling borrowers that they were eligible for reduced payments, instead steering them into forbearances that delayed repayment but allowed interest to accumulate.\u003c/p>\n\u003cp>The \u003ca href=\"https://slsa.net/\" target=\"_blank\" rel=\"noopener\">Student Loan Servicing Alliance\u003c/a>, an association of major servicers, opposes the legislation but did not respond to requests for comment or send a representative to the committee hearing where Stone’s bill passed Monday. The measure now heads to the Assembly’s appropriations committee.\u003c/p>\n\u003cp>Assemblyman Steven Choi, a Republican from Irvine, was among those who chose not to vote on the bill, saying he feared it would encourage frivolous lawsuits.\u003c/p>\n\u003cp>California undergraduates take out smaller loans on average than those in most other states — in part due to the state’s relatively generous financial aid. But student loan debt in the state still has more than doubled since 2008, and disproportionately affects low-income communities and people of color.\u003c/p>\n\u003cp>\u003ca href=\"https://www.sfchronicle.com/file/429/5/4295-student-loan-debt-in-the-bay-area.pdf\" target=\"_blank\" rel=\"noopener\">A study\u003c/a> released Tuesday by the Federal Reserve Bank of San Francisco and that city’s treasurer, found that one in six Bay Area borrowers had defaulted in the past 15 years. In the neighborhoods with the highest concentration of black and Latino residents, the default rate was over 23 percent.\u003c/p>\n\u003cp>California last year began requiring all student loan servicers to be licensed by the state’s \u003ca href=\"http://www.dbo.ca.gov/\" target=\"_blank\" rel=\"noopener\">Department of Business Oversight\u003c/a>. But Stone, who also authored that legislation, said that only some servicers are complying.\u003c/p>\n\u003cp>\u003cb>Top 10 Bay Area ZIP codes with the highest percentages of student loan borrowers who are 90+ days delinquent (March 2018)\u003c/b>\u003c/p>\n\u003cp>\u003c!-- iframe plugin v.4.3 wordpress.org/plugins/iframe/ -->\u003cbr>\n\u003ciframe loading=\"lazy\" width=\"1000\" height=\"600\" frameborder=\"0\" src=\"https://mgreen.carto.com/builder/2b5eecc9-b501-4abc-9e7c-be8521c65c91/embed\" scrolling=\"yes\" class=\"iframe-class\">\u003c/iframe>\u003c/p>\n\u003ch6>Source: FRBNY Consumer Credit Panel/Equifax Data; American Community Survey (via Student Debt in Bay Area report)\u003c/h6>\n\u003cp> \u003c/p>\n\u003cp>“They are essentially thumbing their nose,” he said at Monday’s hearing. “They’re operating in their own best interest, not in the interest of borrowers.”\u003c/p>\n\u003cp>The country’s skyrocketing student loan debt has increasingly drawn the attention of national policymakers. U.S. Sen. Elizabeth Warren, D-Massachusetts, who’s running for president in 2020, \u003ca href=\"https://www.npr.org/2019/04/22/715956948/elizabeth-warren-wants-to-erase-most-student-loan-debt\" target=\"_blank\" rel=\"noopener\">made headlines \u003c/a>this week when she proposed canceling student debt for most borrowers and eliminating tuition at public colleges.\u003c/p>\n\u003cp>Rather than upending the student loan system as Warren proposes, the California bill would cope with some of its worst consequences, said Sandy Baum, a fellow at the Urban Institute who studies college access and pricing.\u003c/p>\n\u003cp>“It says, ‘We know students have debt, we know debt is manageable for many students, but we also know students run into problems, and we want a support system for those students.’”\u003c/p>\n\u003cp>If the bill passes, California could once again provide an example for states looking to increase their own oversight powers amid a \u003ca href=\"https://consumerfed.org/wp-content/uploads/2019/03/CFPB-Enforcement-in-Decline.pdf\" target=\"_blank\" rel=\"noopener\">steep decline\u003c/a> in federal enforcement of consumer protection laws.\u003c/p>\n\u003cp>“The federal government is not going to ride to the rescue,” said Frotman. “There is no cavalry on the horizon.”\u003c/p>\n\u003cp>\u003cem>This story and other higher education coverage are supported by the College Futures Foundation.\u003c/em>\u003c/p>\n\u003cp>\u003cem>\u003ca href=\"http://calmatters.org/\">\u003cbr>\nCALmatters.org\u003c/a> is a nonprofit, nonpartisan media venture explaining California policies and politics.\u003c/em>\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>\u003c/p>\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11742827/as-trump-rolls-back-student-loan-protections-an-obama-era-watchdog-brings-the-fight-to-california","authors":["byline_news_11742827"],"programs":["news_72"],"categories":["news_18540","news_8"],"tags":["news_20382","news_25523"],"featImg":"news_11742849","label":"source_news_11742827"},"news_11616951":{"type":"posts","id":"news_11616951","meta":{"index":"posts_1591205157","site":"news","id":"11616951","score":null,"sort":[1505498749000]},"guestAuthors":[],"slug":"state-bill-would-stop-debt-collectors-from-emptying-bank-accounts","title":"State Bill Would Stop Debt Collectors From Emptying Bank Accounts","publishDate":1505498749,"format":"standard","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>\u003cstrong>Update, September 18, 1:13 p.m.: \u003c/strong>The California Assembly rejected SB 298-- with only 28 yes votes out of 41 needed. But the Assembly will revisit the bill next year, said Sen. Bob Wieckowski, the bill's author. “It’s very disappointing because we could have prevented people from having their bank accounts emptied to cover debts that often aren’t even theirs,\" said Wieckowski. \"If we are serious about combating poverty in California, we cannot continue to allow this cruel ‘take it all’ practice.\"\u003c/p>\n\u003cp>\u003cstrong>Original Story:\u003c/strong>\u003c/p>\n\u003cp>A state bill that would prevent debt collection agencies from completely emptying a person's bank account to reclaim debts, may also provide some relief to people who are mistakenly targeted by collectors, sometimes because identity thieves rack up debt in their names.\u003c/p>\n\u003cp>The state assembly is expected to vote on the bill today as the the legislative session ends.\u003c/p>\n\u003cp>\u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB298\" target=\"_blank\" rel=\"noopener noreferrer\">SB 298\u003c/a>, by Sen. Bob Wieckowski (D-Fremont), would automatically exempt up to $2,250 per debtor from bank levies -- that's when a judge gives a creditor approval to seize money from an account. More than 100,000 bank levies are served every year statewide, according to research by the East Bay Community Law Center.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Currently, creditors can seize 100 percent of the money in a person's account. The new bill wouldn't cancel anyone's debt, but Wieckowsk says it could give low-income Californians relief while they repay what they owe.\u003c/p>\n\u003cp>\"People won’t be evicted from their homes or apartments because their funds have been wiped out,\" Wieckowski said.\u003c/p>\n\u003cp>The bill could also help people like Sharon Randall, who have money collected from their accounts to settle debts that aren't even theirs.\u003c/p>\n\u003cp>In 2014, Randall went to her regular Bank of America branch to withdraw money from her account. But she discovered her account was empty. The teller said a collection agency had put a levy on her account. Randall, a single mom, was left penniless.\u003c/p>\n\u003cp>\"It was a nightmare,\" said Randall, who works at the Port of Oakland. \"That should never happen to anyone, period.\"\u003c/p>\n\u003cp>Randall borrowed money from relatives to pay her bills and was later able to straighten out her case in court and recover her money. She believes her case was either one of ID theft or just a mistake by the collection agency.\u003c/p>\n\u003cp>\"Do you know how many Sharon Randalls there are?\" she asked.\u003c/p>\n\u003cp>She's concerned with news of the \u003ca href=\"https://www.nytimes.com/2017/09/14/business/equifax-hack-what-we-know.html\" target=\"_blank\" rel=\"noopener noreferrer\">Equifax hack\u003c/a> and other data breaches, more people could go through the experience of having their accounts emptied for a debt that is not theirs.\u003c/p>\n\u003cp>\"I mean, we are hearing of so much more identity theft in 2017, that nobody is protected,\" she said.\u003c/p>\n\u003cp>Sharon Djemal, an attorney with the East Bay Community Law Center, says she has seen dozens of cases like Randall's in recent years. Often it happens because an individual's identity has been stolen to make purchases and rack up debt.\u003c/p>\n\u003cp>Djemal says that attorneys at her organization have been able to win or settle collection cases against their clients because the creditor is unable to prove the person who they are targeting actually owns that debt.\u003c/p>\n\u003cp>While creditors are supposed to notify individuals in writing that they are in debt-collection proceedings, sometimes people never get those letters, at times because they've changed addresses, she said.\u003c/p>\n\u003cp>\"I've had clients who the first time they heard they had a debt was when they got a bank levy,\" Djemal said.\u003c/p>\n\u003cp>The California Association of Collectors declined to comment on the issue of mistaken debt collection cases pursued by its members. But the association's website says they are committed to correcting collection cases where an individual's identity has been stolen.\u003c/p>\n\u003cp>The group opposes the bill, along with the California Bankers Association. They argue that bank levies are a last resort, legitimate measure to recover debt. They say the bill is unnecessary because people can already ask the courts for an exemption, and that process provides sufficient protections for people who cannot afford to pay a debt.\u003c/p>\n\u003cp>An earlier version of the bill, which the state senate passed, shielded up to $4,800 from bank levies, but negotiations in the Assembly reduced the amount that would be exempted.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Sixteen states provide protection from bank levies, according to supporters of the bill.\u003c/p>\n\n","blocks":[],"excerpt":"The bill could also help people who are victims of identity theft or mistaken identity.","status":"publish","parent":0,"modified":1505766791,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":24,"wordCount":764},"headData":{"title":"State Bill Would Stop Debt Collectors From Emptying Bank Accounts | KQED","description":"The bill could also help people who are victims of identity theft or mistaken identity.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"State Bill Would Stop Debt Collectors From Emptying Bank Accounts","datePublished":"2017-09-15T18:05:49.000Z","dateModified":"2017-09-18T20:33:11.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11616951 https://ww2.kqed.org/news/?p=11616951","disqusUrl":"https://ww2.kqed.org/news/2017/09/15/state-bill-would-stop-debt-collectors-from-emptying-bank-accounts/","disqusTitle":"State Bill Would Stop Debt Collectors From Emptying Bank Accounts","path":"/news/11616951/state-bill-would-stop-debt-collectors-from-emptying-bank-accounts","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>\u003cstrong>Update, September 18, 1:13 p.m.: \u003c/strong>The California Assembly rejected SB 298-- with only 28 yes votes out of 41 needed. But the Assembly will revisit the bill next year, said Sen. Bob Wieckowski, the bill's author. “It’s very disappointing because we could have prevented people from having their bank accounts emptied to cover debts that often aren’t even theirs,\" said Wieckowski. \"If we are serious about combating poverty in California, we cannot continue to allow this cruel ‘take it all’ practice.\"\u003c/p>\n\u003cp>\u003cstrong>Original Story:\u003c/strong>\u003c/p>\n\u003cp>A state bill that would prevent debt collection agencies from completely emptying a person's bank account to reclaim debts, may also provide some relief to people who are mistakenly targeted by collectors, sometimes because identity thieves rack up debt in their names.\u003c/p>\n\u003cp>The state assembly is expected to vote on the bill today as the the legislative session ends.\u003c/p>\n\u003cp>\u003ca href=\"https://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB298\" target=\"_blank\" rel=\"noopener noreferrer\">SB 298\u003c/a>, by Sen. Bob Wieckowski (D-Fremont), would automatically exempt up to $2,250 per debtor from bank levies -- that's when a judge gives a creditor approval to seize money from an account. More than 100,000 bank levies are served every year statewide, according to research by the East Bay Community Law Center.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Currently, creditors can seize 100 percent of the money in a person's account. The new bill wouldn't cancel anyone's debt, but Wieckowsk says it could give low-income Californians relief while they repay what they owe.\u003c/p>\n\u003cp>\"People won’t be evicted from their homes or apartments because their funds have been wiped out,\" Wieckowski said.\u003c/p>\n\u003cp>The bill could also help people like Sharon Randall, who have money collected from their accounts to settle debts that aren't even theirs.\u003c/p>\n\u003cp>In 2014, Randall went to her regular Bank of America branch to withdraw money from her account. But she discovered her account was empty. The teller said a collection agency had put a levy on her account. Randall, a single mom, was left penniless.\u003c/p>\n\u003cp>\"It was a nightmare,\" said Randall, who works at the Port of Oakland. \"That should never happen to anyone, period.\"\u003c/p>\n\u003cp>Randall borrowed money from relatives to pay her bills and was later able to straighten out her case in court and recover her money. She believes her case was either one of ID theft or just a mistake by the collection agency.\u003c/p>\n\u003cp>\"Do you know how many Sharon Randalls there are?\" she asked.\u003c/p>\n\u003cp>She's concerned with news of the \u003ca href=\"https://www.nytimes.com/2017/09/14/business/equifax-hack-what-we-know.html\" target=\"_blank\" rel=\"noopener noreferrer\">Equifax hack\u003c/a> and other data breaches, more people could go through the experience of having their accounts emptied for a debt that is not theirs.\u003c/p>\n\u003cp>\"I mean, we are hearing of so much more identity theft in 2017, that nobody is protected,\" she said.\u003c/p>\n\u003cp>Sharon Djemal, an attorney with the East Bay Community Law Center, says she has seen dozens of cases like Randall's in recent years. Often it happens because an individual's identity has been stolen to make purchases and rack up debt.\u003c/p>\n\u003cp>Djemal says that attorneys at her organization have been able to win or settle collection cases against their clients because the creditor is unable to prove the person who they are targeting actually owns that debt.\u003c/p>\n\u003cp>While creditors are supposed to notify individuals in writing that they are in debt-collection proceedings, sometimes people never get those letters, at times because they've changed addresses, she said.\u003c/p>\n\u003cp>\"I've had clients who the first time they heard they had a debt was when they got a bank levy,\" Djemal said.\u003c/p>\n\u003cp>The California Association of Collectors declined to comment on the issue of mistaken debt collection cases pursued by its members. But the association's website says they are committed to correcting collection cases where an individual's identity has been stolen.\u003c/p>\n\u003cp>The group opposes the bill, along with the California Bankers Association. They argue that bank levies are a last resort, legitimate measure to recover debt. They say the bill is unnecessary because people can already ask the courts for an exemption, and that process provides sufficient protections for people who cannot afford to pay a debt.\u003c/p>\n\u003cp>An earlier version of the bill, which the state senate passed, shielded up to $4,800 from bank levies, but negotiations in the Assembly reduced the amount that would be exempted.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>Sixteen states provide protection from bank levies, according to supporters of the bill.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11616951/state-bill-would-stop-debt-collectors-from-emptying-bank-accounts","authors":["8659"],"programs":["news_6944","news_72"],"categories":["news_8"],"tags":["news_21608","news_20382"],"featImg":"news_11617014","label":"news_72"},"news_11350207":{"type":"posts","id":"news_11350207","meta":{"index":"posts_1591205157","site":"news","id":"11350207","score":null,"sort":[1489048235000]},"guestAuthors":[],"slug":"new-bill-aims-to-stop-charging-parents-of-incarcerated-kids","title":"New Bill Aims to Stop Charging Parents of Incarcerated Kids","publishDate":1489048235,"format":"audio","headTitle":"The California Report | KQED News","labelTerm":{"term":72,"site":"news"},"content":"\u003cp>In most California counties, if a kid gets arrested and locked up, his or her parents often get charged for some of the costs of incarceration. These fees can run up to $30 a day for juvenile hall and $17 a day for ankle-monitoring.\u003c/p>\n\u003cp>State Sen. Holly Mitchell (D-Los Angeles) has introduced \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB190\">SB 190\u003c/a>, a bill that aims to end these juvenile fees statewide. \u003ca href=\"http://www.ppic.org/main/publication_show.asp?i=1100\">Research shows\u003c/a> that poor kids and kids of color are more likely to end up in the juvenile justice system, so Mitchell says these fees are often charged to families who can least afford them.\u003c/p>\n\u003cp>\"What we walked away with was that it was more onerous and more difficult on the families being subjected to the fees, versus beneficial really in any meaningful way to the counties or the probation departments,\" Mitchell says.\u003c/p>\n\u003cp>In addition, Mitchell points out that the way the fees are collected is also unfair and sometimes unlawful.\u003c/p>\n\u003cp>For example, in Contra Costa County an internal review going back four years found more than 200 cases where it improperly charged families. Parents ended up being billed even when there had been no sustained petition in their kids' cases. That means basically the children had been found innocent, but the families still got charged.\u003c/p>\n\u003cp>[ad fullwidth]\u003c/p>\n\u003cp>Now the county's probation department is working to locate and refund money to these people. Improper fines come to about $58,000 for the period of internal review. Probation Chief Todd Billeci says he doesn’t know how much the outreach effort to refund that money will ultimately cost Contra Costa County.\u003c/p>\n\u003cp>Rebecca Brown, a criminal justice reform advocate and director of the \u003ca href=\"http://reentrysolutionsgroup.org/\">Reentry Solutions Group\u003c/a>, told county supervisors that refunding those parents isn’t enough. Brown described what one woman recently told her on the phone.\u003c/p>\n\u003cp>\"'I work for a homeless shelter. I'm raising my grandchildren. My son was incarcerated for a year. I'm trying to pay that bill,\" Brown recounted. \"I asked her: How much was that bill? She said, '$13,000.' \"\u003c/p>\n\u003cp>This woman's story illustrates another big problem with juvenile fines and fees: Counties don't properly assess parents \"ability to pay,\" according to Brown, which they are legally required to do. So, the cases where parents were unlawfully charged these fees may actually number many more than what Contra Costa's internal probe uncovered.\u003c/p>\n\u003cp>Meanwhile, the movement to stop charging parents juvenile fees altogether is gaining traction across the state.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>In the past year, \u003ca href=\"https://ww2.kqed.org/news/2016/10/24/many-california-counties-charge-parents-high-fees-while-kids-are-locked-up/\">Contra Costa\u003c/a>, Alameda and Santa Clara counties all stopped collecting juvenile fines. This week Butte County joined them. There will be a hearing on SB 190 later this month.\u003c/p>\n\n","blocks":[],"excerpt":"The fees are often charged to the families who can least afford them -- and in some cases, parents were billed even after their kids were found innocent.","status":"publish","parent":0,"modified":1489020951,"stats":{"hasAudio":false,"hasVideo":false,"hasChartOrMap":false,"iframeSrcs":[],"hasGoogleForm":false,"hasGallery":false,"hasHearkenModule":false,"hasPolis":false,"paragraphCount":13,"wordCount":453},"headData":{"title":"New Bill Aims to Stop Charging Parents of Incarcerated Kids | KQED","description":"The fees are often charged to the families who can least afford them -- and in some cases, parents were billed even after their kids were found innocent.","ogTitle":"","ogDescription":"","ogImgId":"","twTitle":"","twDescription":"","twImgId":"","schema":{"@context":"http://schema.org","@type":"NewsArticle","headline":"New Bill Aims to Stop Charging Parents of Incarcerated Kids","datePublished":"2017-03-09T08:30:35.000Z","dateModified":"2017-03-09T00:55:51.000Z","image":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png","isAccessibleForFree":"Y","publisher":{"@type":"NewsMediaOrganization","@id":"https://www.kqed.org/#organization","name":"KQED","url":"https://www.kqed.org","logo":"https://cdn.kqed.org/wp-content/uploads/2020/02/KQED-OG-Image@1x.png"}}},"disqusIdentifier":"11350207 https://ww2.kqed.org/news/?p=11350207","disqusUrl":"https://ww2.kqed.org/news/2017/03/09/new-bill-aims-to-stop-charging-parents-of-incarcerated-kids/","disqusTitle":"New Bill Aims to Stop Charging Parents of Incarcerated Kids","audioUrl":"http://www.kqed.org/.stream/anon/radio/tcr/2017/03/2017-03-07d-tcr.mp3","guestFields":"0","path":"/news/11350207/new-bill-aims-to-stop-charging-parents-of-incarcerated-kids","audioTrackLength":null,"parsedContent":[{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003cp>In most California counties, if a kid gets arrested and locked up, his or her parents often get charged for some of the costs of incarceration. These fees can run up to $30 a day for juvenile hall and $17 a day for ankle-monitoring.\u003c/p>\n\u003cp>State Sen. Holly Mitchell (D-Los Angeles) has introduced \u003ca href=\"http://leginfo.legislature.ca.gov/faces/billNavClient.xhtml?bill_id=201720180SB190\">SB 190\u003c/a>, a bill that aims to end these juvenile fees statewide. \u003ca href=\"http://www.ppic.org/main/publication_show.asp?i=1100\">Research shows\u003c/a> that poor kids and kids of color are more likely to end up in the juvenile justice system, so Mitchell says these fees are often charged to families who can least afford them.\u003c/p>\n\u003cp>\"What we walked away with was that it was more onerous and more difficult on the families being subjected to the fees, versus beneficial really in any meaningful way to the counties or the probation departments,\" Mitchell says.\u003c/p>\n\u003cp>In addition, Mitchell points out that the way the fees are collected is also unfair and sometimes unlawful.\u003c/p>\n\u003cp>For example, in Contra Costa County an internal review going back four years found more than 200 cases where it improperly charged families. Parents ended up being billed even when there had been no sustained petition in their kids' cases. That means basically the children had been found innocent, but the families still got charged.\u003c/p>\n\u003cp>\u003c/p>\u003c/div>","attributes":{"named":{},"numeric":[]}},{"type":"component","content":"","name":"ad","attributes":{"named":{"label":"fullwidth"},"numeric":["fullwidth"]}},{"type":"contentString","content":"\u003cdiv class=\"post-body\">\u003cp>\u003c/p>\n\u003cp>Now the county's probation department is working to locate and refund money to these people. Improper fines come to about $58,000 for the period of internal review. Probation Chief Todd Billeci says he doesn’t know how much the outreach effort to refund that money will ultimately cost Contra Costa County.\u003c/p>\n\u003cp>Rebecca Brown, a criminal justice reform advocate and director of the \u003ca href=\"http://reentrysolutionsgroup.org/\">Reentry Solutions Group\u003c/a>, told county supervisors that refunding those parents isn’t enough. Brown described what one woman recently told her on the phone.\u003c/p>\n\u003cp>\"'I work for a homeless shelter. I'm raising my grandchildren. My son was incarcerated for a year. I'm trying to pay that bill,\" Brown recounted. \"I asked her: How much was that bill? She said, '$13,000.' \"\u003c/p>\n\u003cp>This woman's story illustrates another big problem with juvenile fines and fees: Counties don't properly assess parents \"ability to pay,\" according to Brown, which they are legally required to do. So, the cases where parents were unlawfully charged these fees may actually number many more than what Contra Costa's internal probe uncovered.\u003c/p>\n\u003cp>Meanwhile, the movement to stop charging parents juvenile fees altogether is gaining traction across the state.\u003c/p>\n\u003cp>\u003c/p>\n\u003cp>In the past year, \u003ca href=\"https://ww2.kqed.org/news/2016/10/24/many-california-counties-charge-parents-high-fees-while-kids-are-locked-up/\">Contra Costa\u003c/a>, Alameda and Santa Clara counties all stopped collecting juvenile fines. This week Butte County joined them. There will be a hearing on SB 190 later this month.\u003c/p>\n\n\u003c/div>\u003c/p>","attributes":{"named":{},"numeric":[]}}],"link":"/news/11350207/new-bill-aims-to-stop-charging-parents-of-incarcerated-kids","authors":["8676"],"programs":["news_6944","news_72"],"categories":["news_6188","news_8"],"tags":["news_1467","news_20382","news_1107","news_17286"],"featImg":"news_11350444","label":"news_72"}},"programsReducer":{"possible":{"id":"possible","title":"Possible","info":"Possible is hosted by entrepreneur Reid Hoffman and writer Aria Finger. Together in Possible, Hoffman and Finger lead enlightening discussions about building a brighter collective future. The show features interviews with visionary guests like Trevor Noah, Sam Altman and Janette Sadik-Khan. Possible paints an optimistic portrait of the world we can create through science, policy, business, art and our shared humanity. It asks: What if everything goes right for once? How can we get there? Each episode also includes a short fiction story generated by advanced AI GPT-4, serving as a thought-provoking springboard to speculate how humanity could leverage technology for good.","airtime":"SUN 2pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Possible-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.possible.fm/","meta":{"site":"news","source":"Possible"},"link":"/radio/program/possible","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/possible/id1677184070","spotify":"https://open.spotify.com/show/730YpdUSNlMyPQwNnyjp4k"}},"1a":{"id":"1a","title":"1A","info":"1A is home to the national conversation. 1A brings on great guests and frames the best debate in ways that make you think, share and engage.","airtime":"MON-THU 11pm-12am","imageSrc":"https://ww2.kqed.org/radio/wp-content/uploads/sites/50/2018/04/1a.jpg","officialWebsiteLink":"https://the1a.org/","meta":{"site":"news","source":"npr"},"link":"/radio/program/1a","subscribe":{"npr":"https://rpb3r.app.goo.gl/RBrW","apple":"https://itunes.apple.com/WebObjects/MZStore.woa/wa/viewPodcast?s=143441&mt=2&id=1188724250&at=11l79Y&ct=nprdirectory","tuneIn":"https://tunein.com/radio/1A-p947376/","rss":"https://feeds.npr.org/510316/podcast.xml"}},"all-things-considered":{"id":"all-things-considered","title":"All Things Considered","info":"Every weekday, \u003cem>All Things Considered\u003c/em> hosts Robert Siegel, Audie Cornish, Ari Shapiro, and Kelly McEvers present the program's trademark mix of news, interviews, commentaries, reviews, and offbeat features. Michel Martin hosts on the weekends.","airtime":"MON-FRI 1pm-2pm, 4:30pm-6:30pm\u003cbr />SAT-SUN 5pm-6pm","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/All-Things-Considered-Podcast-Tile-360x360-1.jpg","officialWebsiteLink":"https://www.npr.org/programs/all-things-considered/","meta":{"site":"news","source":"npr"},"link":"/radio/program/all-things-considered"},"american-suburb-podcast":{"id":"american-suburb-podcast","title":"American Suburb: The Podcast","tagline":"The flip side of gentrification, told through one town","info":"Gentrification is changing cities across America, forcing people from neighborhoods they have long called home. Call them the displaced. Now those priced out of the Bay Area are looking for a better life in an unlikely place. American Suburb follows this migration to one California town along the Delta, 45 miles from San Francisco. 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You can also visit the MindShift website for episodes and supplemental blog posts or tweet us \u003ca href=\"https://twitter.com/MindShiftKQED\">@MindShiftKQED\u003c/a> or visit us at \u003ca href=\"/mindshift\">MindShift.KQED.org\u003c/a>","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/Mindshift-Podcast-Tile-703x703-1.jpg","imageAlt":"KQED MindShift: How We Will Learn","officialWebsiteLink":"/mindshift/","meta":{"site":"news","source":"kqed","order":"2"},"link":"/podcasts/mindshift","subscribe":{"apple":"https://podcasts.apple.com/us/podcast/mindshift-podcast/id1078765985","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5tZWdhcGhvbmUuZm0vS1FJTkM1NzY0NjAwNDI5","npr":"https://www.npr.org/podcasts/464615685/mind-shift-podcast","stitcher":"https://www.stitcher.com/podcast/kqed/stories-teachers-share","spotify":"https://open.spotify.com/show/0MxSpNYZKNprFLCl7eEtyx"}},"morning-edition":{"id":"morning-edition","title":"Morning Edition","info":"\u003cem>Morning Edition\u003c/em> takes listeners around the country and the world with multi-faceted stories and commentaries every weekday. 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On Our Watch brings listeners into the rooms where officers are questioned and witnesses are interrogated to find out who this system is really protecting. Is it the officers, or the public they've sworn to serve?","imageSrc":"https://cdn.kqed.org/wp-content/uploads/2024/04/On-Our-Watch-Podcast-Tile-703x703-1.jpg","imageAlt":"On Our Watch from NPR and KQED","officialWebsiteLink":"/podcasts/onourwatch","meta":{"site":"news","source":"kqed","order":"1"},"link":"/podcasts/onourwatch","subscribe":{"apple":"https://podcasts.apple.com/podcast/id1567098962","google":"https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDM2MC9wb2RjYXN0LnhtbD9zYz1nb29nbGVwb2RjYXN0cw","npr":"https://rpb3r.app.goo.gl/onourwatch","spotify":"https://open.spotify.com/show/0OLWoyizopu6tY1XiuX70x","tuneIn":"https://tunein.com/radio/On-Our-Watch-p1436229/","stitcher":"https://www.stitcher.com/show/on-our-watch","rss":"https://feeds.npr.org/510360/podcast.xml"}},"on-the-media":{"id":"on-the-media","title":"On The Media","info":"Our weekly podcast explores how the media 'sausage' is made, casts an incisive eye on fluctuations in the marketplace of ideas, and examines threats to the freedom of information and expression in America and abroad. 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