President Joe Biden’s Education Department has begun the process of reforming the student-loan system. But new findings from an agency within his administration stressed the dire need to implement reforms. The Consumer Financial Protection Bureau (CFPB), which ensures consumers are treated fairly, released a report on Tuesday that found loan servicers have misled borrowers under the Federal Family Education Loan Program (FFELP) who had tried to enroll in the Public Service Loan Forgiveness (PSLF) program.