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We are grateful to Anna Deknatel, Martha Fulford, Bob Hobbs, Emily Green Caplan, Elizabeth Maresca, Adam Minsky, Elizabeth Renuart, Kurt Terwilliger for their substantive contributions; Paige Miller for editorial supervision; Fabiane Best for editorial assistance; Scribe for composition services; and iFactory and Codearium for developing the online version of this treatise.

We very much appreciate the many attorneys, too numerous to name here, who have contributed pleadings and other information to this and prior editions. Special thanks to Jon Sheldon for authoring the student loan chapter in NCLC’s Unfair and Deceptive Acts and Practices, which provided the springboard for this volume.

The chart summarizing state student loan servicing laws in Chapter 5 is reprinted with permission from the Center for Responsible Lending.