Project on Predatory Student Lending

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📌 Questions about how the end of the SAVE repayment plan affects your Sweet v. McMahon relief? Swipe for answers to common borrower questions and guidance on repayment options during the SAVE transition. Find more information at PPSL.org.

🚨The end of the SAVE repayment plan means major changes for millions of federal student loan borrowers. Swipe to learn what this means for you ➡️ Not sure whether you need to change repayment plans or take immediate action? Review the National Consumer Law Center’s SAVE explainer for guidance on repayment options and next steps: studentloanborrowerassistance.org/the-save-plan-…

📌 Important legal questions remain unresolved, including whether borrowers who originally took out loans before July 1, 2020, but later consolidated them, are subject to these harsher standards. PPSL will continue fighting to ensure borrowers are not unfairly denied relief because of procedural barriers or retroactive rule changes. Learn more: ppsl.org/cases/nylag-v-… (3/3)

📌 This decision is a setback for borrowers challenging the Trump-era 2019 borrower defense rules. But it is NOT the end of borrower defense. The court did NOT rule on the validity of borrower defense claims themselves. It ruled that because Congress has now re-instituted the 2019 borrower defense rules, those rules can no longer be challenged through the normal legal process used to challenge agency actions. (2/3)

🚨UPDATE in our case NYLAG v. McMahon: A federal appeals court dismissed as moot our challenge to Trump-era borrower defense rules that made it harder for borrowers to get student loan relief through BD, because Congress put those rules back into effect through the One Big Beautiful Bill Act. What does this mean for borrower defense? ⬇️  (1/3)

As oversight shrinks and student loan policy shifts, online higher education is growing fast. And so are the risks. Our new investigation finds tuition revenue increasingly going toward marketing and recruitment — not instruction. At @UMass Global, for example, the school spends more per student on advertising than teaching, while @Purdue Global has spent about $1 billion on marketing. At the same time, graduate lending now makes up nearly half of all student debt. Read more ➡️ ppsl.org/onlinehighered…

📢New Report Online higher education has grown rapidly — but where is the money going? A new investigation from PPSL's Eileen Connor finds that non-profit and public institutions offering online programs often spend more on marketing and recruitment than on student instruction, while relying heavily on digital advertising and enrollment contractors to drive growth. Check out the business models behind these programs and what it means for students in the full report, "Attract to Extract: How Nonprofit and Public Institutions Target Students Online for Profit":  ppsl.org/onlinehighered…

SWEET UPDATE: The Department of Education has filed a reply brief in support of its appeal of key post-class deadlines in Sweet v. McMahon. As always, PPSL is ready to fight to ensure borrowers receive the relief they are owed under the settlement agreement. Existing deadlines and relief rights remain in effect. If you’re a Post-Class Applicant and have questions about missed deadlines, eligibility notices, or what happens next, swipe through for answers to some of the most common questions we’re hearing right now → Find more FAQs, case updates, and resources at PPSL.org.

New federal caps on graduate student borrowing are supposed to lower the cost of higher education. Instead, PPSL’s Eileen Connor warns in @insidehighered that they could push students toward riskier private debt as universities and lenders build new private lending pipelines before the caps take effect July 1. “Students just trying to afford college will pay the price.” Read more: insidehighered.com/opinion/views/…

🚨SWEET CASE UPDATE: The decision deadlines for the Sweet Post-Class have passed, but the Department of Education is still trying to evade those deadlines and further delay relief. PPSL has now responded to the Department’s appeal. Two district court judges have already rejected the Department’s attempts to extend these deadlines. Post-Class Applicants: As ever, the law is on our side. PPSL remains committed to making sure every class member receives the relief they are owed. Find more case updates and FAQs here: ppsl.org/cases/sweet-v-…

🚨SWEET CASE UPDATE: If you are a Post-Class Applicant who did not attend an Exhibit C school and you still haven’t received an application decision from the Department of Education as of yesterday, April 15 – you are now entitled to full settlement relief. You should receive notice of relief in your email by June 15, 2026. Complete our brief survey to help us understand how the Department performed leading up to the deadline: ppsl.tfaforms.net/58 If you were denied, here’s how to request reconsideration: ppsl.org/news/tips-for-… As always, find more on our website for the latest: ppsl.org/cases/sweet-v-…

📍Need help understanding the status of your borrower defense application or the details of your relief? Swipe for a few of our Sweet FAQs. As always, find more information on our website: ppsl.org/cases/sweet-v-… And read our blog on the best tips for requesting reconsideration on your application denial: ppsl.org/news/tips-for-…

Post-Class Applicants: There are a few key deadlines regarding your settlement relief you should add to your calendar. Check them out below🗓️ - Unsure if you attended an Exhibit C school? Review the list here: static1.squarespace.com/static/62d6e41… - If you have questions, please review our case FAQs here: ppsl.org/sweet-v-mcmaho… - And reach out to info@ppsl.org if you need further assistance.

Are you an Exhibit C Post-Class Applicant awaiting relief? Swipe to see answers to a few frequently asked questions on what to expect and what to do. Find more Sweet FAQs and the latest case information on PPSL’s website: ppsl.org/cases/sweet-v-…

🚨TOMORROW: April 1st is the recommended deadline to apply for Parent PLUS loan consolidation. @usedgov recommends submitting your consolidation application by April 1, 2026 to help ensure it’s processed before the July 1, 2026 legal cutoff to keep eligibility for income-driven repayment (IDR). If you already have Parent PLUS loans and want to keep IDR as an option, now is the time to act. While consolidating your loans and applying for IDR can lower your payments, borrowers should carefully review their options. Learn more: ppsl.org/parent-plus-lo…

SWEET UPDATE: @usedgov has sent relief notice emails to Exhibit C Post-Class Applicants, as required by the settlement. 👏 If you didn’t receive one, be sure to check all inboxes and spam/junk folders for messages from noreply@studentaid.gov. If it’s still missing, please let us know here so PPSL can investigate: ppsl.tfaforms.net/57 Every court decision has been clear, the settlement remains in effect — and it requires full relief for Exhibit C Post-Class applicants by March 30, 2027. Post-Class Applicants who did not attend an Exhibit C school, your deadline is still Wednesday, April 15 for ED to issue decisions. Learn more on our site: ppsl.org/cases/sweet-v-…

Education Department Must Discharge Student Loans For 205,000 Borrowers After Major Court Defeat forbes.com/sites/adammins… (Photo: Jacquelyn Martin via Associated Press)

BREAKING NEWS: The Ninth Circuit Court of Appeals has denied the Department of Education’s latest attempt to delay settlement relief in the Sweet case. Again, the law has proven to be on our side.👏 This means our timeline stands: ✅ By Monday, March 30, @usedgov must send notices of eligibility for full settlement relief to Exhibit C post-class applicants who did not receive a decision by the 1/28/26 deadline. ✅ Relief must be delivered within one year of that notice. We will continue to monitor and ensure that these obligations are met. Learn more on our site: ppsl.org/cases/sweet-v-…

The Ninth Circuit Court of Appeals has now heard @usedgov’s latest attempt to delay settlement relief. No decision has been issued yet. This motion is a last-ditch effort that is both procedurally and legally flawed. As Judge Wardlaw stated today: “The time for negotiating is over. You missed your deadline.” The law is on our side. We are now awaiting the Court’s ruling and will share updates as soon as a decision is released. If you missed it, watch the hearing recording: m.youtube.com/watch?v=z1jkHL… Learn more: ppsl.org/cases/sweet-v-…