Project on Predatory Student Lending

How We Help

The Project on Predatory Student Lending represents low-income student loan borrowers who have experienced predatory lending in connection with for-profit schools. As part of our focus on for-profit colleges, the practice frequently assists with issues related to servicemembers’ and  veterans’ education benefits, federal student aid, private student loans, and student loan collections.

If you are in the Boston area, attended a for-profit school, and are seeking legal help with student loan problems, please fill out our online intake request form by clicking the red button below, or leave a message on our hotline: 617-390-2669.


Information & Resources

For general information on student loans, student loan policy, and student loan repayment, see Student Loan Borrower Assistance. For the Federal Student Aid office of the U.S. Department of Education, see The Consumer Financial Protection Bureau maintains a site with information for servicemembers. To request help from the Project, click here.

Advocacy for Low-Income Borrowers

The Project also brings the experiences of our clients to bear on state and federal higher education policy. Toby Merrill, the Project’s founder and director, recently served as a negotiator for the U.S. Department of Education’s Negotiated Rulemaking on the integrity and improvement of the federal student loan program. She also serves as a member of the Massachusetts Division of Professional Licensure Advisory Council on Private Occupational Schools. She has provided the following testimony on behalf of low-income student loan borrowers and veterans scammed by for-profit colleges in Massachusetts:

Recent Press

In 2014, the Clinical Legal Education Association recognized the Project on Predatory Student Lending with an honorable mention for excellence in a clinical project.

For more coverage of the work of the Project, check out:

For all posts and news related to the Project on Predatory Student Lending, click here.

Legal Disclaimer

This website is neither a solicitation nor an offer to represent you concerning any legal problem. The information conveyed on this website is not legal advice and is not intended to and does not create an attorney-client relationship between you and our law firm or any attorney with our firm.  Please be s aware that unsolicited letters,  emails, and faxes do not create an attorney-client relationship, and you should not send any confidential information to us unless and until you and our firm enter into a formal agreement establishing an attorney-client relationship.

Recent Updates
  • Two Project on Predatory Student Lending Alumni Testify to Department of Education

    Two alumni of the Project on Predatory Student Lending testified to the Department of Education in support of the rights of borrowers treated unfairly by for-profit colleges to a fair, effective, and efficient process to get their federal student loans discharged. Over the past two weeks the Department held hearings in Washington, D.C. and San […]

  • LSC Attorney Advocates for Loan Cancellation for Student Loan Borrowers Defrauded by For-Profit Schools

    In a recent Huffington Post article, Toby Merrill, Director of LSC’s Project on Predatory Student Lending, said the Department of Education’s oversight of the failed and now-bankrupt Corinthian Colleges “represents ‘a massive failure in terms of oversight of federal funds and programs funded by [taxpayers].’”

  • Summary of Proposed New Federal Student Loan Repayment Plan

    The U.S. Department of Education is proposing a new federal student loan repayment plan, called REPAYE. It is based on the existing Pay As You Earn (PAYE) plan.  Key differences from PAYE are summarized below. For more information about LSC’s work on behalf of student loan borrowers, visit the Project on Predatory Student Lending. Eligible […]

For all posts and news related to the Project on Predatory Student Lending, click here.