Often students are sandwiched between two parties interests which have caused tremendous negative impacts on their future income. College high operational cost due to inefficiency has caused a skyrocketed college tuition. After graduation, they, the graduates have to deal with another pressure from the student loans servicing or collection agencies which often operate with maximizing profit mindset—that will apply all possible means to achieve their profit objective. Things are getting worse when the DOE has a minimum way, or no way to control the loan servicing companies’ behavior until the public outcry which then caused the CFPB to step in. The CFPB finally has made recommendations to reform the industry.  This clearly suggests and confirms that the US higher education is broken as has been stated by the Association in the past.  The recent reform recommendations also prove otherwise the claims of no problem with US student loans which only represent special interest groups that defy the reality and the majority of American Public’s interests.  One additional note to the CFPB to also pay attention on the DOE, Accounting Dept or Unit (Atlanta, GA branch as an example) that is responsible to make collection not to charge borrowers’ bank account without their consent.  Often, this unit charges customers’ bank account twice in a certain month without their permission.  This creates problem with bank overdrafts which then make the bank to charge incredible amount of multiple overdraft fees, starting when the account  become red.