Former Fellow Toby Merrill (’12), founder and director of Harvard Law School’s Project on Predatory Student Lending, is featured in a Time spotlight of “100 rising stars who are shaping the future” (Nov. 13). Speaking about her work representing hundreds of thousands of former students in lawsuits against the Education Department seeking to stop collection on loans from defunct for-profit colleges and trade schools, Toby noted that such collection efforts can result in “magnifying the racial wealth gap and denying a person access to meaningful higher education.”