{
  "dataset": "OBP \u00a7 523(a)(8) v2 (broader matcher, free CL tier)",
  "snapshot_date": "2026-04-28",
  "total_aps": 2045,
  "districts_represented": 90,
  "by_track": {
    "expanded_servicers": 1755,
    "federal_us": 290
  },
  "by_pre_post_doj": {
    "post": 1698,
    "pre": 346,
    "unknown": 1
  },
  "totals": {
    "pre_doj": 346,
    "post_doj": 1698
  },
  "termination_rates": {
    "pre_doj": {
      "total": 346,
      "terminated": 338,
      "rate": 0.977
    },
    "post_doj": {
      "total": 1698,
      "terminated": 260,
      "rate": 0.153
    }
  },
  "time_to_disposition_days": {
    "pre_doj": {
      "n": 338,
      "median": 305,
      "mean": 395.4,
      "p25": 149,
      "p75": 531
    },
    "post_doj": {
      "n": 258,
      "median": 223,
      "mean": 252.4,
      "p25": 153,
      "p75": 320
    }
  },
  "by_calendar_year": {
    "1999": 1,
    "2002": 1,
    "2004": 4,
    "2005": 16,
    "2006": 15,
    "2007": 6,
    "2008": 12,
    "2009": 11,
    "2010": 16,
    "2011": 21,
    "2012": 20,
    "2013": 11,
    "2014": 11,
    "2015": 19,
    "2016": 12,
    "2017": 18,
    "2018": 20,
    "2019": 19,
    "2020": 35,
    "2021": 46,
    "2022": 40,
    "2023": 141,
    "2024": 262,
    "2025": 609,
    "2026": 678
  },
  "by_fiscal_year": [
    {
      "fy": 1999,
      "filed": 1,
      "terminated": 1,
      "median_days_to_terminate": 350
    },
    {
      "fy": 2002,
      "filed": 1,
      "terminated": 1,
      "median_days_to_terminate": 662
    },
    {
      "fy": 2004,
      "filed": 2,
      "terminated": 2,
      "median_days_to_terminate": 574
    },
    {
      "fy": 2005,
      "filed": 16,
      "terminated": 16,
      "median_days_to_terminate": 531
    },
    {
      "fy": 2006,
      "filed": 15,
      "terminated": 15,
      "median_days_to_terminate": 207
    },
    {
      "fy": 2007,
      "filed": 6,
      "terminated": 6,
      "median_days_to_terminate": 421
    },
    {
      "fy": 2008,
      "filed": 10,
      "terminated": 10,
      "median_days_to_terminate": 257
    },
    {
      "fy": 2009,
      "filed": 14,
      "terminated": 14,
      "median_days_to_terminate": 274
    },
    {
      "fy": 2010,
      "filed": 10,
      "terminated": 10,
      "median_days_to_terminate": 269
    },
    {
      "fy": 2011,
      "filed": 24,
      "terminated": 24,
      "median_days_to_terminate": 161
    },
    {
      "fy": 2012,
      "filed": 19,
      "terminated": 19,
      "median_days_to_terminate": 285
    },
    {
      "fy": 2013,
      "filed": 13,
      "terminated": 13,
      "median_days_to_terminate": 326
    },
    {
      "fy": 2014,
      "filed": 9,
      "terminated": 9,
      "median_days_to_terminate": 188
    },
    {
      "fy": 2015,
      "filed": 21,
      "terminated": 21,
      "median_days_to_terminate": 369
    },
    {
      "fy": 2016,
      "filed": 14,
      "terminated": 14,
      "median_days_to_terminate": 442
    },
    {
      "fy": 2017,
      "filed": 16,
      "terminated": 14,
      "median_days_to_terminate": 426
    },
    {
      "fy": 2018,
      "filed": 17,
      "terminated": 17,
      "median_days_to_terminate": 475
    },
    {
      "fy": 2019,
      "filed": 20,
      "terminated": 19,
      "median_days_to_terminate": 287
    },
    {
      "fy": 2020,
      "filed": 36,
      "terminated": 35,
      "median_days_to_terminate": 428
    },
    {
      "fy": 2021,
      "filed": 37,
      "terminated": 34,
      "median_days_to_terminate": 251
    },
    {
      "fy": 2022,
      "filed": 42,
      "terminated": 41,
      "median_days_to_terminate": 336
    },
    {
      "fy": 2023,
      "filed": 105,
      "terminated": 95,
      "median_days_to_terminate": 280
    },
    {
      "fy": 2024,
      "filed": 236,
      "terminated": 144,
      "median_days_to_terminate": 217
    },
    {
      "fy": 2025,
      "filed": 472,
      "terminated": 21,
      "median_days_to_terminate": 126
    },
    {
      "fy": 2026,
      "filed": 888,
      "terminated": 1,
      "median_days_to_terminate": 65
    }
  ],
  "top_districts": [
    {
      "court_id": "cacb",
      "total_aps": 40,
      "terminated": 11,
      "termination_rate": 0.275,
      "median_days": 359
    },
    {
      "court_id": "txsb",
      "total_aps": 36,
      "terminated": 5,
      "termination_rate": 0.139,
      "median_days": 226
    },
    {
      "court_id": "flmb",
      "total_aps": 31,
      "terminated": 7,
      "termination_rate": 0.226,
      "median_days": 426
    },
    {
      "court_id": "wawb",
      "total_aps": 31,
      "terminated": 6,
      "termination_rate": 0.194,
      "median_days": 214
    },
    {
      "court_id": "ilnb",
      "total_aps": 30,
      "terminated": 6,
      "termination_rate": 0.2,
      "median_days": 522
    },
    {
      "court_id": "mnb",
      "total_aps": 30,
      "terminated": 8,
      "termination_rate": 0.267,
      "median_days": 221
    },
    {
      "court_id": "nysb",
      "total_aps": 30,
      "terminated": 7,
      "termination_rate": 0.233,
      "median_days": 574
    },
    {
      "court_id": "canb",
      "total_aps": 28,
      "terminated": 8,
      "termination_rate": 0.286,
      "median_days": 420
    },
    {
      "court_id": "mab",
      "total_aps": 28,
      "terminated": 7,
      "termination_rate": 0.25,
      "median_days": 621
    },
    {
      "court_id": "njb",
      "total_aps": 28,
      "terminated": 5,
      "termination_rate": 0.179,
      "median_days": 417
    },
    {
      "court_id": "ganb",
      "total_aps": 26,
      "terminated": 6,
      "termination_rate": 0.231,
      "median_days": 745
    },
    {
      "court_id": "ksb",
      "total_aps": 26,
      "terminated": 14,
      "termination_rate": 0.538,
      "median_days": 253
    },
    {
      "court_id": "nyeb",
      "total_aps": 26,
      "terminated": 5,
      "termination_rate": 0.192,
      "median_days": 686
    },
    {
      "court_id": "orb",
      "total_aps": 26,
      "terminated": 6,
      "termination_rate": 0.231,
      "median_days": 371
    },
    {
      "court_id": "arb",
      "total_aps": 25,
      "terminated": 1,
      "termination_rate": 0.04,
      "median_days": 341
    },
    {
      "court_id": "caeb",
      "total_aps": 25,
      "terminated": 5,
      "termination_rate": 0.2,
      "median_days": 144
    },
    {
      "court_id": "casb",
      "total_aps": 25,
      "terminated": 5,
      "termination_rate": 0.2,
      "median_days": 583
    },
    {
      "court_id": "vaeb",
      "total_aps": 25,
      "terminated": 3,
      "termination_rate": 0.12,
      "median_days": 213
    },
    {
      "court_id": "vawb",
      "total_aps": 25,
      "terminated": 4,
      "termination_rate": 0.16,
      "median_days": 223
    },
    {
      "court_id": "mowb",
      "total_aps": 24,
      "terminated": 4,
      "termination_rate": 0.167,
      "median_days": 191
    },
    {
      "court_id": "nynb",
      "total_aps": 24,
      "terminated": 6,
      "termination_rate": 0.25,
      "median_days": 280
    },
    {
      "court_id": "ohnb",
      "total_aps": 24,
      "terminated": 4,
      "termination_rate": 0.167,
      "median_days": 666
    },
    {
      "court_id": "pamb",
      "total_aps": 24,
      "terminated": 10,
      "termination_rate": 0.417,
      "median_days": 207
    },
    {
      "court_id": "pawb",
      "total_aps": 24,
      "terminated": 3,
      "termination_rate": 0.125,
      "median_days": 503
    },
    {
      "court_id": "txnb",
      "total_aps": 24,
      "terminated": 1,
      "termination_rate": 0.043,
      "median_days": 584
    },
    {
      "court_id": "txwb",
      "total_aps": 24,
      "terminated": 4,
      "termination_rate": 0.167,
      "median_days": 246
    },
    {
      "court_id": "wiwb",
      "total_aps": 24,
      "terminated": 3,
      "termination_rate": 0.125,
      "median_days": 256
    },
    {
      "court_id": "almb",
      "total_aps": 23,
      "terminated": 2,
      "termination_rate": 0.087,
      "median_days": 615
    },
    {
      "court_id": "arwb",
      "total_aps": 23,
      "terminated": 11,
      "termination_rate": 0.478,
      "median_days": 234
    },
    {
      "court_id": "cob",
      "total_aps": 23,
      "terminated": 3,
      "termination_rate": 0.13,
      "median_days": 451
    },
    {
      "court_id": "ctb",
      "total_aps": 23,
      "terminated": 2,
      "termination_rate": 0.087,
      "median_days": 342
    },
    {
      "court_id": "insb",
      "total_aps": 23,
      "terminated": 3,
      "termination_rate": 0.13,
      "median_days": 132
    },
    {
      "court_id": "mieb",
      "total_aps": 23,
      "terminated": 2,
      "termination_rate": 0.087,
      "median_days": 182
    },
    {
      "court_id": "paeb",
      "total_aps": 23,
      "terminated": 1,
      "termination_rate": 0.043,
      "median_days": 506
    },
    {
      "court_id": "gamb",
      "total_aps": 22,
      "terminated": 3,
      "termination_rate": 0.136,
      "median_days": 451
    },
    {
      "court_id": "iasb",
      "total_aps": 22,
      "terminated": 2,
      "termination_rate": 0.091,
      "median_days": 1210
    },
    {
      "court_id": "ilcb",
      "total_aps": 22,
      "terminated": 11,
      "termination_rate": 0.5,
      "median_days": 186
    },
    {
      "court_id": "innb",
      "total_aps": 22,
      "terminated": 6,
      "termination_rate": 0.273,
      "median_days": 191
    },
    {
      "court_id": "mdb",
      "total_aps": 22,
      "terminated": 2,
      "termination_rate": 0.091,
      "median_days": 1082
    },
    {
      "court_id": "ohsb",
      "total_aps": 22,
      "terminated": 1,
      "termination_rate": 0.045,
      "median_days": 1232
    }
  ],
  "doj_anchors": {
    "first_10_months": 632,
    "cumulative_through_march_2024": 1220
  },
  "pre_doj_baseline": {
    "fy_2008_to_fy_2022_total": 302,
    "years": 15,
    "mean_per_year": 20.1
  },
  "servicer_breakdown": {
    "snapshot_date": "2026-04-28",
    "total_aps": 2045,
    "unmatched_aps": 31,
    "note": "An AP may match multiple servicers (multi-defendant). Sum exceeds total APs.",
    "by_servicer": [
      {
        "servicer": "U.S. Department of Education",
        "total": 1602,
        "pre_doj": 155,
        "post_doj": 1446,
        "examples": [
          "Berg v. United States Department of Education",
          "Mansfield v. U.S. Department of Education",
          "Cheadle v. U.S. Department of Education"
        ]
      },
      {
        "servicer": "Discover Bank / Discover Student Loans",
        "total": 82,
        "pre_doj": 68,
        "post_doj": 14,
        "examples": [
          "Discover Bank, Issuer of the Discover Card v. Inman",
          "Discover Bank, Issuer of the Discover Card v. Ekman",
          "Khemmanivanh v. Discover Student Loans"
        ]
      },
      {
        "servicer": "NELNET",
        "total": 64,
        "pre_doj": 5,
        "post_doj": 59,
        "examples": [
          "Johnson v. Nelnet/US Dept of Ed",
          "Mitchell v. Nelnet",
          "Crowe v. Department of Education/Nelnet"
        ]
      },
      {
        "servicer": "Navient",
        "total": 58,
        "pre_doj": 12,
        "post_doj": 46,
        "examples": [
          "Walker v. Navient",
          "BEAVERS v. NAVIENT CREDIT FINANCE CORP.",
          "Stewart v. Navient Solutions, LLC"
        ]
      },
      {
        "servicer": "Sallie Mae / SLM Corp",
        "total": 55,
        "pre_doj": 20,
        "post_doj": 35,
        "examples": [
          "Rollnick v. Sallie Mae, Inc",
          "Rounds v. SLM Corporation (Sallie Mae)",
          "Chancellor v. Sallie Mae Bank"
        ]
      },
      {
        "servicer": "ECMC / Educational Credit Management",
        "total": 42,
        "pre_doj": 21,
        "post_doj": 21,
        "examples": [
          "Green v. Educational Credit Management Company (ECMC)",
          "Bearup v. Educational Credit Management Corporation",
          "Tyson v. Educational Credit Management"
        ]
      },
      {
        "servicer": "Mohela / Higher Education Loan Authority of MO",
        "total": 37,
        "pre_doj": 0,
        "post_doj": 37,
        "examples": [
          "Phommarath v. Mohela",
          "Parker v. United States Department of Education/MOHELA",
          "Pina Mendez v. MOHELA ( Slade)"
        ]
      },
      {
        "servicer": "United States (federal, no agency in caption)",
        "total": 32,
        "pre_doj": 18,
        "post_doj": 14,
        "examples": [
          "Marquez v. United States",
          "Beech v. United States",
          "Davis v. United States of America, on behalf of its agency"
        ]
      },
      {
        "servicer": "Citizens Bank",
        "total": 29,
        "pre_doj": 14,
        "post_doj": 15,
        "examples": [
          "Citizens Bank & Trust Co. v. Wilson",
          "Rofkahr v. Citizens Bank & Trust Company",
          "Citizens Bank & Trust Company v. Rofkahr"
        ]
      },
      {
        "servicer": "Aidvantage",
        "total": 28,
        "pre_doj": 1,
        "post_doj": 27,
        "examples": [
          "Harper v. Aidvantage",
          "Hernandez v. Aidvantage",
          "Richardson v. Aidvantage"
        ]
      },
      {
        "servicer": "AES / American Education Services",
        "total": 11,
        "pre_doj": 6,
        "post_doj": 5,
        "examples": [
          "Reid v. American Education Services",
          "Bridges v. American Education Services",
          "Bridges v. American Education Services"
        ]
      },
      {
        "servicer": "Edfinancial",
        "total": 10,
        "pre_doj": 0,
        "post_doj": 10,
        "examples": [
          "ESCOJIDO v. EDFINANCIAL SERVICES LLC",
          "Grogan v. EDFinancial Services, LLC",
          "Park v. U.S. Department of Education/Edfinancial"
        ]
      },
      {
        "servicer": "Pennsylvania Higher Education / PHEAA",
        "total": 7,
        "pre_doj": 3,
        "post_doj": 4,
        "examples": [
          "McGuire v. Pennsylvania Higher Education Assistance Agency et",
          "Musgrove v. Pennsylvania Higher Education Assistance Agency et",
          "Ikoma v. Pennsylvania Higher Education Assistance Agency"
        ]
      },
      {
        "servicer": "FedLoan",
        "total": 3,
        "pre_doj": 3,
        "post_doj": 0,
        "examples": [
          "Gregaitis v. Dept of Ed/ FedLoan Servicing (PHEAA)",
          "Zingler v. Fedloan Servicing",
          "Ellis v. Fedloan"
        ]
      },
      {
        "servicer": "Great Lakes Higher Education",
        "total": 2,
        "pre_doj": 1,
        "post_doj": 1,
        "examples": [
          "Ferrier v. Department of Education Great Lakes",
          "Royal v. Great Lakes Higher Education Guaranty Corp."
        ]
      },
      {
        "servicer": "ACS Education",
        "total": 1,
        "pre_doj": 1,
        "post_doj": 0,
        "examples": [
          "Camos v. ACS Education Services/US Bank"
        ]
      },
      {
        "servicer": "MEFA / Massachusetts Educational Finance",
        "total": 1,
        "pre_doj": 1,
        "post_doj": 0,
        "examples": [
          "Clegg v. MEFA (Massachusetts Education Finance Auth)"
        ]
      },
      {
        "servicer": "Texas Guaranteed / TG",
        "total": 1,
        "pre_doj": 0,
        "post_doj": 1,
        "examples": [
          "Edwards v. Texas Guaranteed Student Loan Corporation"
        ]
      }
    ]
  }
}