1. United States
2. N.J.
3. Letter

I'm a constituent writing about an unintended consequence of the Stop Student Debt Relief Scams Act of 2019 that is directly harming borrowers like me. I use Monarch Money, a legitimate personal finance app, to plan my student loan repayments. The app requires access to my Federal Student Aid data — access I explicitly authorize. But the Stop Act's overly broad language around FSA system access is now being interpreted in ways that block these borrower-approved tools. This is not fringe: the American Fintech Council formally raised this issue with the Department of Education in June 2025, requesting clarification that the Stop Act was never meant to apply to tools operating with explicit borrower consent. I urge you to press the Department of Education to issue clear guidance protecting legitimate, borrower-authorized financial tools — and to support a legislative fix if necessary. Borrowers are navigating massive student loan changes right now. We need more access to financial planning tools, not less.