Why We Exist

We started this campaign because something quiet—but dangerous—is happening.

Millions of Americans with federal student loans are being treated like assets on a spreadsheet, not people. If the Department of Education is dismantled, or if your loan is quietly sold to a private lender, you lose the last protections you have:

  • Income-driven repayment
  • Public service forgiveness
  • Deferment in hardship
  • Government oversight
  • Ombudsman accountability

That’s not a conspiracy—it’s a business model.

And if you’re not watching, you won’t even be notified. No hearing. No vote. No consent.

We believe that's unacceptable. So we’re putting it in writing—with certified protest letters backed by USPS tracking, printed receipts, and a national wall of resistance.

What We're Doing

This isn’t a petition. It’s not performative. It’s a legal, trackable act of civil resistance.

Borrowers across the country are mailing certified letters to the U.S. Department of Education stating, on record:

“I do not consent to the privatization or sale of my federal student loans to any non-governmental entity.”

Each letter is:

  • Mailed via USPS Certified Mail
  • Tracked and timestamped
  • Uploaded to our Receipt Wall as public proof
  • Designed to build collective leverage, borrower by borrower

You can send your own letter using our $12.95 Certified Mail Kit, or download the template for free and do it yourself. Either way: we’re not waiting to be sold off.

Why We're Called "NotYourCollateral"

Because that’s exactly how we’re being treated. Whether you're liberal, conservative, independent, or just done with being lied to—you have something to lose if your loans are privatized.

Your debt isn’t just a number—it’s a tradable asset in someone else’s portfolio.

They profit from your payment plan. Your interest rate. Your silence.

We’re not here to scream into a void.

We’re here to document, resist, and record.

Because if they ever try to argue you were fine with it—you’ll have the receipts.

Who We Are

We’re borrowers.

We’re designers, organizers, writers, and pissed-off parents.

This isn’t a nonprofit. There are no grants.

Just action, truth, and a USPS receipt.

We don’t need permission. We just need each other.