Toby Merrill previously founded and directed the Project on Predatory Student Lending at the Legal Services Center of Harvard Law School and taught the predatory lending and consumer protection clinic. The Project represents low-income student loan borrowers in litigation against for-profit colleges and against the policies that enable them. The Project brings cases that enforce the rights of student loan borrowers and works closely with numerous state and federal enforcement agencies. Toby has twice represented legal aid providers and their clients in the Department of Education’s negotiated rulemaking process. She also served on the Massachusetts Division of Professional Licensure’s advisory board on private occupational schools. Toby joined the Legal Services Center’s predatory lending practice as a Skadden Fellow, after a federal clerkship. She graduated from Harvard Law School and Yale College.