Consumers Union, the policy and advocacy arm of Consumer Reports, appreciates the opportunity to testify in response to the Department’s plans to convene a negotiated rulemaking committee that will address procedures for asserting a defense to repayment of federal education loans, among other things. We urge the Department to take full advantage of this opportunity to set clear rules of the road that will protect our college students from schools that saddle them with oppressive debts for a poor-quality education.