borrowers like jordan hoeft may never see any changes.otman of the consumer finance protection bureau says his agency is tracking complaints. the agency has started monitoring many key financial players including loan service companies. >> there's an amazing government audit that found that 70% of federal student loan borrowers in default, so have defaulted on their loans were actually eligible for income-generated payment plan as low as zero dollars. i think that's an abysmal failure and i think that's a direct implication of student loan servicers and the oversight over student loan servicer. >> reporter: the borrowers most likely to default? those with $10,000 or less in student loans. they have lower debt, but are less likely to have completed their degrees and may have lower earnings. chris savelle's debt has affected his little sister's future as well. if it weren't for chris's debt, do you think katie would be in a four-year school now? >> i think if she could see that she could get an education without having a lifetime of crushin