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Legislative Update: Bill Would Provide Protections to Student Loan Borrowers

THE AFRO — House bill 594, sponsored by the late House Speaker Michael Busch, would prohibit student loan servicers from engaging in any deceptive practice — like giving false information to students or misapplying or refusing to correct misapplication of payments. The legislation was introduced at the request of Attorney General Brian Frosh.

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By Daniel Oyefusi, Capital News Service

Wade Davis called Navient’s customer service in March, hoping to adjust the payment plan for his student loan. Davis, 36, a freelance musician seeking full-time employment, said he couldn’t commit to his plan.

After telling a representative from Navient — one of the major student loan servicing companies — of his current financial situation, the representative informed him he would have to sign up for a month-to-month payment plan that Davis said isn’t feasible with his current financial situation.

Reiterating his financial struggles, Davis said he was frustrated with the representative whom he described as “rude” and “snarky” and who threatened litigation.

“They know what they are doing,” Davis said of the loan servicing company. “They have a license to treat people any way.”

A bill passed in the Maryland General Assembly would provide protections for Davis and other student loan borrowers who have complained of predatory behavior from loan servicers.

The legislation comes months after a report by the Maryland Office of the Inspector General claimed servicers placed borrowers in adverse situations.

House bill 594, sponsored by the late House Speaker Michael Busch, would prohibit student loan servicers from engaging in any deceptive practice — like giving false information to students or misapplying or refusing to correct misapplication of payments. The legislation was introduced at the request of Attorney General Brian Frosh.

The legislation would also require that servicers respond to a written inquiry or complaint within 30 days and allow a Student Loan Ombudsman to refer complaints to the office of the Commissioner of Financial Regulation, the primary regulator of financial institutions in Maryland.

In 2017, the Consumer Financial Protection Bureau — a U.S. governmental agency tasked with oversight of banks, lenders and other financial companies — sued Navient for what then-bureau Director Richard Cordray called “failing borrowers at every stage of repayment.”

According to the Consumer Financial Protection Bureau, of the 878 complaints related to student loan servicing from Maryland borrowers, 402 are in regard to servicing problems by Navient.

While Davis, a Baltimore resident for the last 10 years, said he understands it is the job of servicing companies to receive payments from borrowers, he said he wasn’t appreciative of what he believes was “predatory” behavior. He did not file a complaint, and said he was eventually placed on a new plan after tweeting directly to Navient and speaking with them again.

Navient did not respond to multiple requests for comment on Davis’ claims.

The Office of the Inspector General, an independent watchdog that oversees the U.S. Department of Education, released an audit in February regarding the department’s oversight of its student loan servicers.

The audit suggests the department did not do enough to hold servicers accountable when they strayed from their contracts.

According to the audit, 61 percent of reports showed noncompliance with federal requirements, including “failure to comply with requirements relevant to forbearances, deferments, income-driven repayment, interest rates, due diligence, and consumer protection.”

The Department of Education hired eight loan servicers, private sector companies including Navient, to handle student loan repayment.

“I’ve never experienced a private loan (servicing) company that is out to see that you are performing well,” Davis said.

In response to the lawsuit filed by the Consumer Federal Protection Bureau, Federal Student Aid — which works in the Department of Education — requested an internal review of Navient’s practices.

When asked for response to the claims made by the Office of the Inspector General, Navient provided Capital News Service with a 2018 statement from the Department of Education that states the Federal Student Aid review “did not identify instances of systematic non-compliance, and did not result in findings, sanctions, or the establishment of a corrective action plan.”

According to written testimony submitted by the office of the Maryland Attorney General, the Consumer Financial Protection Bureau has received 1,768 complaints regarding student loan servicers from Maryland borrowers.

Many of these complaints include issues over lost paperwork, misapplied payments, servicers failing to correct misapplications and lack of information regarding best options for repayment, according to the testimony.

In student loan complaint documents provided to Capital News Service by the Office of the Maryland Attorney General, borrowers brought up issues including miscalculation of public student loan forgiveness payments, servicers “harassing” them for payments they didn’t owe and illegally garnishing wages.

According to the Institute for College Access & Success, an independent, nonprofit organization, 56 percent of Maryland students graduate with an average of $29,314 in debt.

According to the Consumer Financial Protection, student loan debt in the country has increased to $1.5 trillion.

Frosh called the legislation a “Student Borrower Bill of Rights” that outlines what servicers can and cannot do. According to written testimony from his office, similar guidelines have been set or are under consideration in at least 15 states.

Seth Frotman, executive director of the Student Borrower Protection Center, called the legislation a “critical bill” that would benefit students who have been subjected to a “range of predatory practices.”

Frotman, who previously served as the student loan ombudsman for the Consumer Financial Protection Bureau, said he worked with students and servicers to handle repayment. He said most complaints were regarding individuals who received bad information from servicers and was systemic of a larger issue across the country.

The passage of this legislation comes in the middle of a tug-of-war between state attorneys general and the Trump administration. On April 5, Frosh joined a group of almost two dozen attorneys general requesting that Department of Education Secretary Betsy DeVos reverse the decision to keep student loan information from state law enforcement agencies.

“There is no legitimate reason for the Department of Education to halt student loan data sharing with state officials,” Frosh said in a press release. “The private companies contracted by the Department to service student loans are subject to state consumer protection laws, and the established practice of sharing certain student loan information helps states ensure these companies are complying with the law and borrowers are being treated fairly.”

This article originally appeared in The Afro

Capital News Service

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Bay Area

IN MEMORIAM: Longtime OUSD Employee Debra King-Cooper, 73

Longtime OUSD Employee Debra King-Cooper, 73 Caption: Debra King-Cooper. Courtesy photo. Special to The Post Debra King-Cooper, a beloved mother, grandmother, queen, sister, church member, caregiver, and matriarch, transitioned peacefully on May 20 surrounded by family and love i

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Debra King-Cooper. Courtesy photo.
Debra King-Cooper. Courtesy photo.

Special to The Post

Debra King-Cooper, a beloved mother, grandmother, queen, sister, church member, caregiver, and matriarch, transitioned peacefully on May 20 surrounded by family and love in the comfort of her home. To her children, she was royalty, grace, strength, and unconditional love embodied.

Debra Diane Edgar was born on May 28, 1952, in San Francisco, California, to Charles Edgar Sr. and Mamie Arthur Edgar. She was raised alongside her younger brother, Charles Edgar Jr., affectionately known as “Little Brother” or “Lil Bruh.” She also shared close bonds with her older siblings Carol Edgar-Lang, Maryann Edgar Calloway, and Lonnie Lewis Sr.

A proud product of San Francisco’s historic Fillmore District, Debra attended Andrew Jackson Elementary School, where she met her lifelong best friend and adopted sister, Lynn Green, in the fifth grade. She later attended Robert Louis Stevenson Elementary School, Roosevelt Junior High School and Thomas Jefferson High School.

Debra’s mother transitioned when she was only 17 years old, and her father transitioned when she was 23. Despite these profound losses, Debra remained grounded through the love and support of extended family and lifelong family friends,

In 1971, she married Harold King. On Sept. 24, 1972, they welcomed their first son, Dajuan Artese King, affectionately called “Pop” or “Poppa.” On Aug. 5, 1976, they welcomed their second son, Dante Dupree King, affectionately called “Tay” or “Taboocoo the Baby.”

After her divorce in 1982, Debra assumed full responsibility for raising her sons.

She supported Dajuan’s passion for football by purchasing sports equipment and attending games faithfully. She supported Dante’s love of music by enrolling him in the San Francisco Boys Choir, Oakland Boys Choir, and the Castlemont Castleers.

Professionally, Debra built an exceptional career. She worked at Blue Shield of California from 1973 until 1994, earning multiple promotions.

She later joined the Oakland Unified School District, initially in a temporary role before being promoted into management within the Labor Relations Department. She retired from OUSD in 2015 after years of distinguished service. During her years at OUSD, she built meaningful friendships with her colleagues.

Faith was central to Debra’s life. During the 1980s, following personal hardship, she joined Love Center Church under the leadership of Bishop Walter Hawkins, where she brought her children regularly. She later became a member of Triumphant: A Church Without Walls Ministries under Pastor Dr. Larry Short, who became a beloved spiritual mentor.

After Triumphant closed in 1992, Debra joined Cosmopolitan Baptist Church in Oakland under the leadership of Pastor Larry Ashley, where she remained for the rest of her life.

At Cosmopolitan, she worked in numerous ministries. She served on the usher board, sang in the choir, participated in the AIDS ministry during the height of the HIV/AIDS epidemic, helped feed and support unhoused community members, and mentored and supported a group of young girls.

After retirement, she cared for older adults in her church community, driving them to appointments, cleaning their homes, managing finances, preparing meals, and helping families navigate funeral arrangements after loved ones transitioned.

Even while battling Stage 4 cancer herself, she continued caring for others.

Debra was preceded in death by her parents, Charles Edgar Sr. and Mamie Arthur Edgar; her brothers, Lonnie Lewis Sr. and Charles Edgar Jr.; her sisters, Maryann Edgar Calloway and Victoria Stephenson Knight; and her adopted mother, Clara Oliver.

She leaves to cherish her memory her beloved sons, Dajuan King and Dante King; grandson, Tiyler Dajuan Artese King; sister, Carol Edgar-Lang; goddaughters Monique Belle and Ricketa Matthews Jones (Leonard); daughter-in-love Quiona Sullivan; son-in-love Marcel Walker; sister-in-law Delores Lewis; adopted sisters and lifelong friends Lynn Green, Barbara Stephenson Hill, and Sarah Fine; a host of nieces, nephews, cousins, great-nieces, great-nephews, extended family members, her church family and dear friends.

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Bay Area

How Is AI Affecting California? The State Wants You to Share Your Story

The program marks the first time the state has opened the platform to all Californians. State officials said the effort is designed to give residents a direct role in discussions about how AI should be regulated and used as the technology rapidly expands across industries.

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By Bo Tefu, California Black Media  

Gov. Gavin Newsom announced May 7 that California is expanding its Engaged California digital democracy initiative statewide, inviting residents to help shape future state policies on artificial intelligence (AI) and its impact on jobs and the economy.

The program marks the first time the state has opened the platform to all Californians. State officials said the effort is designed to give residents a direct role in discussions about how AI should be regulated and used as the technology rapidly expands across industries.

“We’ve got to be clear-eyed about this moment: AI is moving fast, bringing enormous opportunity, but also real risks,” Newsom said in a statement. “Californians deserve a seat at the table as we shape what’s to come.”

The initiative will roll out in two phases. Beginning immediately, Californians can sign up online to share how AI is affecting their work and communities and provide ideas for possible government action. Later this summer, a smaller group reflecting the state’s workforce demographics will participate in live discussions focused on developing policy recommendations.

State officials said the goal is to identify areas of agreement among Californians and provide policymakers with public feedback as the state develops future AI regulations and workforce strategies.

Engaged California is modeled after digital democracy programs used in Taiwan and is intended to encourage structured public discussion rather than social media-style debate. Officials described the effort as a form of “deliberative democracy” aimed at helping residents engage directly in state decision-making.

“The more Californians are engaged in the democratic process, the better able we’ll be to confront the challenges we face together,” said Nick Maduros, California Secretary of Government Operations, in a statement.

The statewide launch builds on two earlier pilot programs. One pilot gathered public input following the Los Angeles firestorms to help guide recovery efforts, while another collected ideas from state employees about improving government operations.

California has positioned itself as a national leader in AI policy and development. Since 2023, the Newsom administration has introduced initiatives focused on responsible AI use in government, cybersecurity protections, workforce training and regulations targeting risks such as deepfakes and AI-generated robocalls.

The state has also partnered with companies in Silicon Valley — including NVIDIA, Google, Adobe, IBM and Microsoft — to expand AI education and workforce training programs across California schools and universities.

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Advice

Book Review: Books for College-Bound Students

The kind of workday your Grandpa had is probably over, and you can’t count on toiling at the same place for 40 years for a pension and a gold watch. You already know that, and these books will help you decide your next step. You’ll learn what kind of worker you are, what’s stopping you from finding a job or occupation you’ll love, how to determine the purpose you envision for your future, and how to get where you need to be.

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Book covers. Photo courtesy of Terri Schlichenmeyer.
Book covers. Photo courtesy of Terri Schlichenmeyer.

By Terri Schlichenmeyer

Authors: Various, Copyright: c.2026, Publishers: Various, SRP: $21.00 – $29.00, Page Counts: Various

The videos and news reports were inspiring.

In them, a hesitant prospective college student became a happy, new college-bound student with the click of a key. They were accepted into the college of their dreams – so how can you get the same feeling next spring, when you’re the one with the highest of hopes?

You can start by reading these great books and sharing them with your family…

You probably already know that getting into the college of your choice is not something you do last-minute. In “The People’s Guide to College Applications: A Week-by-Week Approach to Writing, Connecting, and Getting in” (Prometheus Books, $ 21.95), Jill Constantino takes you through each step, but not in a frantic way. There’s no pressure here, just easy-to-grasp, makes-sense methods to apply for the college you want. There are reminders here, things you can’t forget and things you can, hints on asking for referrals and writing essays, and plenty of reminders to take a deep breath. Bonus: it’s also a book for parents, who may feel just as much pressure as their child does.

Okay, but let’s say that you’re an adult, a parent who’s sweating those college applications, classes, and the FAFSA for yourself, ugh!  Then you’ll want to read “Student Parent: The Fight for Families, the Cost of Poverty, and the Power of College” by Nicole Lynn Lewis (Beacon Press, $26.97). an urgent call meant for nontraditional students who are also Black, Latinx, gay, Moms, or Dads.

Inside this book, you’ll find stats and stories that may already sound familiar, tales of not enough money, not enough support, not enough arms or sleep or resources. If you’re looking for a book of advice, this isn’t it, though. It’s more of a resource that you’ll want to take to your guidance counselor or any local politician.

Alright, but what if you’ve decided that college can wait? Is that okay? Look for “The Mission Generation: Reclaim Your Purpose, Rewrite Success, Rebuild Our Future” by Arun Gupta and Thomas J. Fewer (Wiley, $29.00) because – guess what? – you have many options for your future.

The kind of workday your Grandpa had is probably over, and you can’t count on toiling at the same place for 40 years for a pension and a gold watch. You already know that, and this book will help you decide your next step. You’ll learn what kind of worker you are, what’s stopping you from finding a job or occupation you’ll love, how to determine the purpose you envision for your future, and how to get where you need to be. This book isn’t just for high schoolers, but for anyone ages 16 and beyond who’s feeling restless, ready for change, or who’s thinking about some kind of purposeful retirement.

And if these aren’t the college-based or not-college-bound books you need, then be sure to ask your favorite bookseller or librarian for help on ideas, how-to’s, test prep books, or study guides. They’ll have books for you, and maybe a little inspiration, too.

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