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Financing the Future: The Law and Politics of Student Debt in American Higher Education

October 20, 2017 @ 9:30 am - 4:00 pm

Lee E. Teitelbaum Utah Law Review Symposium

8:30 a.m. – 3:00 p.m., S.J. Quinney College of Law, Level 6
After home mortgages, student loans are now the second largest consumer finance market in the country. Student debt is reshaping the way the American middle class approaches higher education, work, purchasing a home, and even retirement. Law schools in particular are a bellwether in the student loan debate. During the Obama administration Congress, the Department of Education, and the Consumer Financial Protection Bureau adopted a variety of limited legal reforms to student lending. Despite these limited reforms student debt still looms large over the future of millions of Americans. Will the Trump administration signal a shift in student lending? What does the future hold for America’s struggling student borrowers?

Registration requested »

4.5 hours of Utah CLE. Free and open to the public.

This event will be streamed and recorded on the S.J. Quinney College of Law YouTube Channel »

Keynote Speaker:
Seth Frotman, CFPB Student Loan Ombudsman, Assistant Director, CFPB Office of Student Lending
Seth Frotman serves as the CFPB’s Assistant Director in the Office for Students and as the Student Loan Ombudsman. Frotman originally joined the Bureau as part of the Treasury Implementation Team in early 2011 as senior advisor to Holly Petraeus, the Assistant Director for the Office of Servicemember Affairs. He has also worked on the Senate Committee on Health, Education, Labor, and Pensions and was the Deputy Chief of Staff for U.S. Rep. Patrick Murphy (PA). Before coming to Washington, he served as an assistant staff counsel for the New Jersey State Senate and clerked on the United States Court of Appeals for the Third Circuit.



8:30 a.m. – Registration, Sign In, and Continental Breakfast
9:00–9:15 a.m. – Introduction and Welcome to the School of Law

9:15– 10:30a.m. – The Data Problem: Decision Making with Limited Student Loan Information
Kathleen Engel, Julie Morgan, Paul Campos, Cathy Hwang (moderator)
This panel will discuss the availability of information on student lending, and the impact of the availability of this data on the student.

10:30–10:45 a.m. – Break

10:30 a.m. – 12:00 p.m. – The Politics Problem: Are Current Laws and Policies in the Best Interest of the Student?
Jonathan Glater, Charlie Eaton, Matthew Lesser, Chris Peterson (moderator)
This panel will review the political history of student lending in the United States, and discuss methods and areas of political reform.

12:00–1:30 p.m. – Lunchtime Keynote with Seth Frotman

1:45–3:00 p.m. – The Impact: How do Student Lending Programs Impact Students and Potential Students
Mark Huelsman, Joseph Sanders, John Brooks, Ralph Mabey (moderator)
This panel will explore the effects of student lending on students, including collections enforcement..


John R. Brooks, Professor of Law, University of Georgetown Law
John Brooks teaches and writes on tax law and policy. His research focuses on issues of risk-sharing and insurance across a range of public finance and tax policy issues. He also works on the law and economics of higher education. Before Brooks began teaching at Georgetown, he was a Climenko Fellow and Lecturer on Law at Harvard Law School. Previously, he clerked for Judge Norman H. Stahl of the U.S. Court of Appeals for the First Circuit and practiced tax law at Ropes & Gray LLP in Boston.

Paul Campos, Professor of Law, University of Colorado Law
Paul Campos’ research focuses on constitutional law and legal theory. He has written several law review articles in this area, including “Against Constitutional Theory,” published in the Yale Journal of Law and Humanities, and “Advocacy in Scholarship,” published in the California Law Review. Campos’ regular column for the Rocky Mountain News covers political, social, and legal issues. He also served as the first director of CU law school’s Byron R. White Center for the Study of American Constitutional Law.

Charlie Eaton, Assistant Professor of Sociology, University of California Berkeley
Charlie Eaton researches how power and inequality are shaped by organizations and ideologies in politics, in policy, and in the economy. His work has explored these relationships in the domains of U.S. healthcare and higher education. Eaton regards organizations as fundamental social units that can provide collective identities and shared understandings for how to distribute resources and confer status. His dissertation was titled, “Financialization and the New Organizational Inequality in U.S. Higher Education.”

Kathleen Engel, Research Professor of Law, Suffolk University Law School
Kathleen Engel is a national authority on mortgage finance and regulation, subprime and predatory lending, consumer credit, and housing discrimination. Her many publications include a 2011 book published by Oxford University Press, The Subprime Virus: Reckless Credit, Regulatory Failure and Next Steps (with Prof. Pat McCoy) and articles in Harvard Business Law Review, the Harvard Journal of Law and Public Policy, Texas Law Review, Washington University Law Quarterly, Fordham Law Review, The Journal of Economics and Business, and Housing Policy Debate.

Jonathan Glater, Professor of Law, University of California Irvine
Jonathan Glater’s writing focuses on the role of law as both response to and source of barriers to higher education. His research interests include the impact of federal aid policy on access to college, the effects of education debt on student decision-making, and relationships between higher education finance and the functioning of financial markets. Glater worked as a reporter at The New York Times, where he wrote about the business of law and about higher education finance.

Mark Huelsman, Senior Policy Analyst, Demos
Mark Huelsman is a Senior Policy Analyst at Demos, a public policy organization. His research focuses primarily on college affordability, student debt, financial aid, and state investment in higher education. Prior to joining Demos, Huelsman worked as a Research Analyst at the Institute for Higher Education Policy, where he studied federal financial aid, student loan debt and repayment, institutional accountability, and the need for better higher education data. He has also served as a Policy Analyst at the New America Foundation, and as a Legislative Assistant with the Retirement Security Project at the Brookings Institution.

Matthew Lesser, Connecticut State Representative
Matt Lesser is serving his fifth term in the Connecticut House of Representatives, representing the City of Middletown. Lesser is co-chair of the General Assembly’s Banking Committee. He is also a member of the Government Administration and Elections Committee and a member of the Insurance and Real Estate Committee. Lesser has been a principal author of state laws including Connecticut’s first in the nation Student Loan Bill of Rights, a moratorium on hydraulic fracturing waste and a major workplace safety law later adopted as a national standard.

Julie Margetta Morgan, Senior Officer for Strategic Data in the Postsecondary Success program, Bill and Melinda Gates Foundation
Prior to joining Gates, she was Senior Education Counsel for Senator Elizabeth Warren and was responsible for developing and implementing policy proposals on a range of education issues, including student loan refinancing, college affordability, and student loan servicing. She previously served as Director of Postsecondary Access and Success at the Center for American Progress, and she holds a Ph.D. in higher education and a J.D. from Boston College.

Joseph Sanders, Supervising Attorney in the Consumer Fraud Bureau of the Office of the Attorney General, State of Illinois (OAG)
JJoe’s practice at the OAG focuses on post-secondary education and student lending, and includes litigation against for-profit schools and student loan servicers, as well as education policy work at the state and federal level. Prior to his work at the OAG, Joe was the Director of a predatory lending litigation project for Legal Services NYC. Joe formerly served as the chair of the Chicago Bar Association’s Consumer Law Committee, and is licensed to practice law in New York and Illinois.


Lee E. Teitelbaum was born in 1941 in New Orleans. A magna cum laude graduate of Harvard College in 1963 and a 1966 graduate of Harvard Law School, he later earned an LL.M. from Northwestern University Law School, which he attended on a Ford Foundation fellowship.

He was the dean of the S.J. Quinney College of Law at the University of Utah from 1990 to 1998 and a law faculty member from 1986 until 1999. He was dean at Cornell Law from 1999 until 2004, returning to Utah with his family and rejoining the Utah law school faculty.

Considered one of the nation’s leading family law scholars, Teitelbaum wrote seven books on juvenile courts, a casebook on family law and articles on the sociology of the law and legal history, juvenile law, family law, evidence and professional ethics, including: “Children, Parents, and the Law: Public and Private Authority in the Home, Schools and Juvenile Courts.”

Prior to his time as dean at Cornell, he also held faculty positions at the University of Utah, University of North Dakota, Binghamton University, the University of New Mexico and Indiana University-Bloomington.

Teitelbaum served on the board of editors for the Journal of Legal Education, the Law and Society Review and Law and Policy. He was active in legal education and was a member of the executive committee of the Association of American Law Schools and a trustee of the Law School Admission Council.


For questions contact Miriam (801) 585-3479.

Free parking is available at the Rice-Eccles Stadium. We encourage you to use public transportation to our events. Take TRAX University line to the Stadium stop and walk a half block north. For other public transit options use UTA’s Trip Planner. The law school is on the Red Route for the University’s free campus shuttles (College of Law stop).


October 20, 2017
9:30 am - 4:00 pm
Event Categories:
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College of Law
801-585-3440 | 801-585-3479


S. J. Quinney College of Law
383 South University St
Salt Lake City, UT 84112 United States
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