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 contact the hotline at 617-390-2669.

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:

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.

Press Coverage and Recognition

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:

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.