Why Rising Student Loan Defaults Are a Boost for Buy Here Pay Here Dealerships

Dear Representative ___:

As an independent automobile dealer from the state of ___ and your constituent, I am writing to urge you to cosponsor H.R. 1566, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Representatives Neal Dunn (R-FL) and Marie Gluesenkamp Perez (D-WA) and currently has 30 cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Senator ___:

As an independent automobile dealer from the state of ___, I am writing to urge you to cosponsor S. 1379, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Senators Ben Ray Luján (D-NM) and Josh Howley (R-MO) and currently has six cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Representative ___:

As an independent automobile dealer from the state of ___ and your constituent, I am writing to urge you to cosponsor H.R. 1566, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Representatives Neal Dunn (R-FL) and Marie Gluesenkamp Perez (D-WA) and currently has 30 cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Senator ___:

As an independent automobile dealer from the state of ___, I am writing to urge you to cosponsor S. 1379, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Senators Ben Ray Luján (D-NM) and Josh Howley (R-MO) and currently has six cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Representative ___:

As an independent automobile dealer from the state of ___ and your constituent, I am writing to urge you to cosponsor H.R. 1566, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Representatives Neal Dunn (R-FL) and Marie Gluesenkamp Perez (D-WA) and currently has 30 cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Senator ___:

As an independent automobile dealer from the state of ___, I am writing to urge you to cosponsor S. 1379, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Senators Ben Ray Luján (D-NM) and Josh Howley (R-MO) and currently has six cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Representative ___:

As an independent automobile dealer from the state of ___ and your constituent, I am writing to urge you to cosponsor H.R. 1566, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Representatives Neal Dunn (R-FL) and Marie Gluesenkamp Perez (D-WA) and currently has 30 cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Senator ___:

As an independent automobile dealer from the state of ___, I am writing to urge you to cosponsor S. 1379, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Senators Ben Ray Luján (D-NM) and Josh Howley (R-MO) and currently has six cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Representative ___:

As an independent automobile dealer from the state of ___ and your constituent, I am writing to urge you to cosponsor H.R. 1566, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Representatives Neal Dunn (R-FL) and Marie Gluesenkamp Perez (D-WA) and currently has 30 cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Senator ___:

As an independent automobile dealer from the state of ___, I am writing to urge you to cosponsor S. 1379, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Senators Ben Ray Luján (D-NM) and Josh Howley (R-MO) and currently has six cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Representative ___:

As an independent automobile dealer from the state of ___ and your constituent, I am writing to urge you to cosponsor H.R. 1566, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Representatives Neal Dunn (R-FL) and Marie Gluesenkamp Perez (D-WA) and currently has 30 cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,

Dear Senator ___:

As an independent automobile dealer from the state of ___, I am writing to urge you to cosponsor S. 1379, the Right to Equitable and Professional Auto Industry Repair (REPAIR) Act.  This bipartisan bill was introduced by Senators Ben Ray Luján (D-NM) and Josh Howley (R-MO) and currently has six cosponsors. 

As the cost of vehicle ownership and maintenance continues to rise, the REPAIR Act comes at a critical moment.  This legislation removes unnecessary barriers and ensures independent repair shops can access essential repair data, compatible aftermarket parts, training, and diagnostic tools.  For independent automobile dealers like me, this means being able to efficiently recondition vehicles before sale and provide affordable, ongoing repairs throughout a vehicle's life.  These efficiencies translate into real savings for our customers, many of whom are working-class individuals and families who rely on their vehicles for work, school, and daily responsibilities.  This is especially true for our rural customers, who deserve access to timely, affordable repairs close to home.

Modern vehicles are increasingly complex and dependent on data.  Yet for too long, Original Equipment Manufacturers (OEMs) have controlled access to this critical information, selectively deciding who can use it and under what conditions.  This control extends to aftermarket parts, often forcing consumers to seek repairs only at authorized dealerships.  These practices reduce consumer choice, stifle competition, and undermine the free-market principles that support small businesses and local economies across the state of ___.

Your constituents and my customers deserve the freedom to choose where and by whom their vehicles are repaired.  Equal access to tools and information ensures safe, cost-effective, and accessible repairs.  It fosters competition, lowers prices, and strengthens small businesses like mine. The REPAIR Act strikes the right balance between protecting innovation, ensuring safety, and upholding consumer rights.

This important legislation is critical to the livelihoods of independent automobile dealers across the state of ___ and urge you to consider cosponsoring it.  Thank you for your time and attention.

Sincerely,