Amend the FDCPA to include Non-Profit guarantors liable equally as private and debt collectors under its laws.

Under the current rules of the Fair Debt Credit Practices Act non-profit student loan guarantors are exempt from the standard guidelines of fair practices such as: from misrepresentation, fraud, false claims, and other tactics that can be used to pressure borrowers. This exemption has caused a great deal of misuse of authority(white collar crime) within the student loan industry. The Administrative Wage Garnishment Act allows guaranty agencies to submit to the IRS and or your employer letters claiming student loan debts from centuries ago, already paid, leaving the victim with no way of proving otherwise because who holds on to century old cancelled checks or paid in full letters.This is what the Higher Education and the Administrative Wage Garnishment Acts have allowed to happen!