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Reposted by UC Student Loan Law Initiative

UC Berkeley Law @ucberkeleylaw.bsky.social · 17/05/2025

"...higher education is associated with several good things, including higher incomes and lower rates of unemployment, and is a good in itself." – @uc-slli.bsky.social director Prof. Jonathan D. Glater at @warren.senate.gov's Forum www.slli.org/jonathan-gla...

slli.org

Jonathan Glater Testimony at Senator Warren's Spotlight Forum

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Reposted by UC Student Loan Law Initiative

Protect Borrowers @protectborrowers.bsky.social · 04/12/2024

A recent UnidosUS survey found 53% of Latino respondents struggled to keep up with their student loan payments and nearly 20% were in default. ↪https://protectborrowers.org/the-ongoing-fight-to-cancel-student-debt-is-key-to-securing-economic-justice-for-latino-families/

Screenshot of the linked SBPC and UnidosUS blog starting with "For too long, the $1.7 trillion student loan debt crisis has hampered economic mobility and worsened inequities across our country—particularly for Latino students and families...." to" ...from the Survey of Latinos in Higher Education highlighting how young Latino students and recent graduates view higher education and our nation’s..."

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UC Student Loan Law Initiative @uc-slli.bsky.social · 29/11/2024

~45 days left to apply for our Emerging Scholars Program. Access the @capolicylab.bsky.social's fantastic credit panel (all of California and a 2% nat'l sample of credit records from 2004-present) + connect w/ top student loan law experts! #econsky #socsky #lawsky www.slli.org/_files/ugd/5...

Application Process and Deadlines
SLLI Emerging Scholars will be expected to design and propose their own research project, and
to execute on that project independently with periodic oversight.
To be considered for this program, applicants should submit:
● A detailed (2-3 page) proposed research plan, which should include a specific research
question, datasets and variables you plan to examine (if applicable), and a description of
how this research project contributes to larger scholarship or policy conversations on
student loan debt. For those who intend to use the UC-CCP for their project, more
information can be found about the credit panel data at this link (and here).
● An up-to-date CV or resume.
● Any additional details related to educational and research background.
All applications should be submitted by January 15th to
emergingscholars@protectborrowers.org.
Applications from persons of color, LGBTQI persons, women, and persons with disabilities are
strongly encouraged.

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Daniel A Collier, PhD @dcollier74.bsky.social · 15/11/2024

Hello new peeps! A thread about 4 recent qualitative papers I have released with @uc-slli.bsky.social and the SBPC focused on Public Service Loan Forgiveness Borrowers #PSLF. Given the #Trump Admin's intentions, this work may be good to know. Read and RT, please. #studentloans #forgivenesss

media.tenor.com

two men sitting at a table in front of a wall that says aew wrestling

ALT: two men sitting at a table in front of a wall that says aew wrestling

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Daniel A Collier, PhD @dcollier74.bsky.social · 15/11/2024

Sorry here it is with Alt Text Here's the exe summary page for my update to "Jubilee and Jubilation: An Examination of the Relationship between Public Service Loan Forgiveness and Measures of Well-Being"

Key Findings
1. Credit Scores: With a larger sample size, the average FICO score for PSLF borrowers decreased from 742 to 705, moving from the sample average from the "Very Good" to the "Good" category, which suggests they may face higher credit constraints and interest rates than previously measured. We anticipate that resumed payments will lower borrowers' credit scores, reinforcing the benefit of forgiveness on credit health.

2. Homeownership: 63% of our sample reported homeownership, ten percent below the national rate for those with Bachelors’ degrees in 2022. The Pause allowed many borrowers to save for down payments, which is unlikely to persist post-Pause. PSLF respondents reported median monthly mortgage costs of $1,653 and rent of $1,400—27% and 20% below national medians—challenging perceptions of extravagant living.

3. Financial Stress and Well-being: Financial stress decreased significantly for borrowers who achieved forgiveness, while those with 13 or more remaining payments reported elevated stress. The WOFD group exhibited financial anxiety due to uncertainty in the forgiveness process, highlighting the toll of long wait times.

4. Suicidal Ideation: Disturbingly, 19% of the sample reported suicidal thoughts, with the rate climbing to 53% among WOFD borrowers, reflecting the intense mental health strain associated with PSLF. WOFD borrowers expressed frustration over administrative delays and uncertainty, exacerbating their mental distress.

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Daniel A Collier, PhD @dcollier74.bsky.social · 14/11/2024

📢 Impact of recent U.S. student loan policies in CA! 🔹 Pause 🔽 delinquency, ⬆️ homeownership. 🔹 PSLF reform -> fin relief, aiding savings. 🔹 #HEERF -> stabilized CA college enrollment. @dalie.bsky.social, @econmarshall.bsky.social #StudentLoans #HigherEd papers.ssrn.com/sol3/papers....

papers.ssrn.com

Student Loan Borrowers and Pandemic-Era Interventions in California <br>

From 2020 to 2023, the federal government implemented a series of large-scale, high-profile interventions to address the financial uncertainty and economic emer

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Daniel A Collier, PhD @dcollier74.bsky.social · 08/11/2024

For PSLF: I have recent qual work you can read about how people have exp their debt, conceptualizations of forgiveness effects, and how they experienced The Pause and were preparing to resume payments papers.ssrn.com/sol3/papers.... papers.ssrn.com/sol3/papers.... papers.ssrn.com/sol3/papers....

papers.ssrn.com

Dub Thee, The Forgiven: A Qualitative Exploration of What Achieving Forgiveness Through PSLF Means to Borrowers

This study presents findings from interviews conducted with 35 borrowers who had their federal student loans forgiven through the Public Service Loan Forgivenes

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Dalié Jiménez @dalie.bsky.social · 13/11/2024

Please share widely #AcademicSky #LawSky #EconSky

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Gill Wyness @gillwyness.bsky.social · 13/11/2024

In all, our results suggest that to get the most out of the HE system we should enrol students on the courses that best match their ability. We should focus on encouraging high attaining low SES students into high quality courses!

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Gill Wyness @gillwyness.bsky.social · 13/11/2024

📈New @cepeo-ucl.bsky.social /CVER @cep-lse.bsky.social working paper 📉 The mismatch earnings penalty with @lindseymacmillan.bsky.social @richmurphy-econ.bsky.social Konstantina Maragkou and Chiara Cavaglia econpapers.repec.org/RePEc:ucl:cepeow… 📈📉

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Dalié Jiménez @dalie.bsky.social · 13/11/2024

@uc-slli.bsky.social emerging scholars applications are now open! If you're a PhD student or junior scholar in law, sociology, history, econ, finance, business, or other fields and interested in student loans, please apply! More here: www.slli.org/_files/ugd/5...

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UC Student Loan Law Initiative @uc-slli.bsky.social · 13/11/2024

👋hello world! I want to tell you about a film screening and discussion we're having at UCI Law next week to screen the Debt Collection Lab's award-winning animated documentary short firm on the debt collection industry. You can attend virtually too! campusgroups.uci.edu/law/rsvp_boo...

Poster for a film screening and teach-in about debt and debt collection - "Shame on You" is the film that will be screened on Nov. 21, 2024 at UC Irvine School of Law from 12-1pm in Law 3750. The film explores how the debt collection industry is enabled by shame and fear of the judicial system and shines a light on the hardships of the industries' victims.

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