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What If the Student-Debt Collector Were a Real Live Human Being Who Helped You?

Robocalls at night. Not-so-veiled threats. Here’s what loan servicers would have to do if the Obama administration prevails.
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Photographer: Topp Yimgrimm/Getty Images/iStockphoto

It's 9 p.m. and your phone chimes. You're among the one in eight Americans carrying a student loan—debts that collectively total nearly $1.4 trillion—and you've started to fall behind on your payments.

You know the drill: round-the-clock robocalls demanding immediate payment. You wince and pick up.