NYLAG along with 80 other organizations representing students, consumers, veterans, service members, and others has sent a letter to Congress opposing provisions in the PROSPER Act that would ignore the lessons of the past decades by rolling back the most important safeguards enacted over the years. These includes: the gainful employment rule, designed to ensure that career education programs are not leaving students with unaffordable debts; the borrower defense rule, which provides recourse for students who are left with debt while their college engaged in fraud;  the 90-10 rule, which bars for-profit colleges from receiving more than 90 percent of their revenues from the federal government; and the ban on incentive compensation (commissioned sales). Any movement forward on a bill that does not at the very least preserve these four commonsense safeguards will result in real harm to students.