Anyone with a student loan knows what it’s like to be given the runaround by their loan-servicing company. It turns out that this may be more by design than you may have suspected. Lawsuits against one of the largest servicers of federal student loans, Navient, have garnered headlines in recent weeks. Following the Consumer Financial Protection Bureau’s groundbreaking lawsuit against the company in 2017, four additional states have followed suit, including California, in an effort to enforce state consumer laws and protect student-loan borrowers from unscrupulous business practices.

Navient, a publicly traded company hired by the Department of Education to service over $100 billion in federal student loans, is the most criticized company in consumer finance. Now, one of the most consumer-friendly states in America is taking the company to court. Should California Attorney General Xavier Becerra prove successful, attorneys general around the country willing to take a stand against Education Secretary Betsy DeVos and her efforts to decimate state-level student-loan protections would be able to use this as a model to check abusive student-loan companies…

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