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In some cases, a lender might have carried out these steps but still have violated § 1041.
In addition, the old plan limits payments to no more than 15 percent of your discretionary income.
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When these features are combined with the high cost of the loans and, in some cases, a balloon payment structure or the ability to recover additional money through repossessing and selling borrowers' vehicles, there are lenders that operate, presumably at a profit, even when borrowers are defaulting on 50 percent of loan sequences.
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ZINMAN: And what we found matching that data on job performance and job readiness supports the Pentagon