Whitney Barkley-Denney, deputy director of state policy at the Center for Responsible Lending, told DailyMail.com: 'This situation was due, in part, to unsuccessful marketing efforts, but also because servicers were not required to inform consumers about the program and their ability to qualify for it. 'This led to borrowers being placed in deferment after deferment, even if their repayment under an IDR would have been affordable.'
