Nationally, student debt has doubled between 2009 and 2019 and is now hovering around $1.7 trillion. The impact that student debt financing is having on borrowers of color is harmful and unsustainable. It is also widening the already significant racial wealth gap. The pandemic is likely to only exacerbate these inequities as people of color and working-class Americans have been the hardest hit by COVID-19 as well as the corresponding economic depression. While federal policy action would be the quickest and most effective way to solve these massive issues with student debt, there are actions the Washington state can take to influence the student loan servicing industry, reform higher education financing, and further protect borrowers. Three state agencies have been tasked with implementing the Student Loan Bill of Rights Implementation: (1) the Washington Student Achievement Council (WSAC); (2) the Department of Financial Institutions (DFI), and (3) the Office of the Attorney General (ATG). These agencies meet quarterly to discuss ongoing borrower issues, emerging trends, and changes to federal and state laws. While these agencies work collaboratively to serve borrowers, where appropriate, their individual approach and implementation is described separately. The implementation of the Student Loan Bill of Rights is presented in this report. While WSAC, DFI and the ATG have been able to assist many Washington borrowers in the last two years, borrowers are still struggling and require further protections.