PHILADELPHIA - Pennsylvania college students, with student-loan complaints ranging from high fees to inaccurate payment information, are getting help from an authority formed after the Wall Street collapse of 2008. The Consumer Protection Financial Bureau was established in 2012, and documents the problems students have with private lenders in an effort to make those lenders operate more fairly and transparently.

According to Ashley Afranie-Sakyi, program associate with the Pennsylvania Public Interest Research Group (PennPIRG), which analyzed the bureau's recent annual report, the biggest lender is the one generating the most complaints.

"Sallie Mae is the lender that was most complained about in Pennsylvania and actually generated 126 complaints in Pennsylvania alone," she specified. "It also dominates the private student lending market with an estimated 50 percent market share." ("Sallie Mae", the SLM Corporation, was originally called the Student Loan Marketing Association.)

Afranie-Sakyi said the bureau's database is a valuable resource, and not only for documenting problems after the fact.

"It's a great tool for filing complaints, but also going on and doing your research about your private student loan lender."

She said the database also serves another purpose that works to the favor of consumers.

"Since the complaint data is posted publicly, regardless of how the company responds there's a clear incentive for banks to respond promptly to consumer complaints," she said.

The Consumer Protection Financial Bureau report shows that financially-strapped consumers continue to have problems obtaining affordable repayment options, getting basic account information, or addressing payment processing errors. Sallie Mae says it has made payment adjustments on just under a billion and a half dollars worth of loans and and that it assigns advocates to work one-on-one with customers to get their issues resolved.

See the complete CFPB annual report at files.consumerfinance.gov.




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From gubernatorial candidate Mark Robinson to Superintendent of Public Instruction hopeful Michele Morrow, some Republicans running for office have suggested North Carolina could reject federal funding for public schools.

The idea is raising red flags for parents and teachers alike. The North Carolina Justice Center estimates turning down federal funding could strip more than $1 billion from schools and result in thousands of job losses.

Justin Parmenter, a teacher in the Charlotte-Mecklenburg School District, thinks it would harm vulnerable student populations and strain already underfunded schools, especially in rural areas.

"Things like providing free and reduced (price) lunch for students who need that support," Parmenter outlined. "It would be serving students with special needs. It would be funding programs like substance abuse and mental health care."

Those who would turn down federal funding said it comes with "strings attached" or requirements they do not agree with. But Parmenter countered he has heard no clear plans on how to offset the nearly $1.7 billion shortfall it would create. He stressed a lack of a concrete strategy raises serious concerns about deeper cuts to public education.

Claire Kempner is a parent of three public school students voicing similar concerns, particularly about how cuts would affect rural areas and the quality of education. She worries about teacher retention in the face of low pay.

"We have a really hard time retaining teachers, especially in more rural areas of the state, like where I live," Kempner explained. "Teachers are not paid well enough, where they can live off of their salary. They're going to go to other areas or they may even leave the state completely."

The North Carolina Justice Center reported rejecting federal funds for North Carolina schools would lead to wider gaps in racial and economic opportunities.


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Colorado voters will decide whether to change the state's constitution to ensure families have school choice as a fundamental right.

Kallie Leyba, executive director of the American Federation of Teachers-Colorado, worries Amendment 80 on November's ballot would hurt the state's already underfunded public schools by diverting taxpayer dollars into a private school voucher program.

"Which would put Colorado's budget on the hook for paying for private education," Leyba pointed out. "It would drain the resources that the 95% of kids in Colorado who are attending public schools rely on."

Colorado students already have the right to attend any public school, including charter schools, regardless of where they live under the state's Public Schools and Choice Law. State law also allows families to home school or enroll in private school. Proponents of Amendment 80 said it will cement those rights into the state's constitution and protect parents' rights to educate their children the way they believe is best.

Josh Cowen, senior fellow at the Education Law Center, pointed to decades of evidence showing private school vouchers have led to some of the steepest declines in student achievement on record.

He added measures similar to Amendment 80 passed in Arizona, Florida and Ohio have led to serious budget cuts.

"Those states are spending a billion dollars each right now on vouchers, primarily for kids who are already in private school," Cowen explained. "When you're spending that kind of money on private religious education, you're not spending money on other things."

Leyba argued Amendment 80 could also harm Colorado students in rural parts of the state who depend on public schools.

"We have quite a few districts that are considered rural," Leyba noted. "Those kids don't have the options of private schools. Public schools are their option, and it's really important that we keep those public schools strong."

Palm Beach County schools are working to curb chronic absenteeism, which has surged since the pandemic.

Nearly 39% of Palm Beach County students missed 11 or more days of school last year.

Keith Oswald, chief of equity and wellness for the Palm Beach County School District, said families often face a combination of challenges triggering absences, so the district uses a variety of strategies, including sending notifications to parents when students reach five, 10 or 20 missed school days.

"I would say the more common where we see the 10 to 20 day range, I think it's a bad habit that we picked up from COVID of not coming to school that's stuck," Oswald observed. "Thinking that I could just miss a day or two a month is not a big deal but really, we're trying to educate people that it is a big deal."

The 2024 Annie E. Casey Foundation Kids Count Data Book revealed chronic absenteeism nearly doubled nationwide after the pandemic, with 30% of students missing significant amounts of school. The report also emphasized the long-term economic risks of learning loss, with U.S. students potentially facing $900 billion in lost lifetime earnings due to decreased academic achievement.

According to the Florida Department of Education, the statewide average of kids missing 21 or more days of school has modestly improved from a record high of almost 21% in the 2021-22 school year to 19.4% last year.

Oswald said the district also organizes problem-solving meetings with families to address concerns like transportation and housing instability, which can be primary causes of absenteeism.

"Sometimes it comes with employment; there's sometimes mental health issues in the family," Oswald outlined. "Food insecurity can come up at times. In our most severe cases, I think it's a sense of despair that a family gets into and needs additional support."

When community outreach fails, Oswald noted Palm Beach County has more formal procedures like working with a local judge on truancy interventions to help families understand the law and find solutions. He added the district needs more support staff to help with this dedicated outreach.

According to the Kids Count data, students in poverty and children of color are disproportionately affected by chronic absences, further widening the achievement gap.


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