; findings (a) Short title This Act may be cited as the Christopher Bryski Student Loan Protection Act or Christopher’s Law . (b) Findings Congress finds the following: (1) The Bureau of Consumer Financial Protection (referred to in this section as the CFPB ) Student Loan Ombudsman stated the following: (A) The CFPB received more than 7,700 private student loan complaints and approximately 2,300 debt collection complaints related to student loans between September 1, 2016, and August 31, 2017. . (B) Co-signers complain that information about discharge or alternative arrangements in the case of death of the primary borrower is not readily available and that decisions are made on a case-by-case basis, giving co-signers little understanding of how the process works, or if they will be successful. . (C) The complaints and input received by the CFPB resemble many of the same issues experienced by mortgage borrowers, such as improper application of payments, untimeliness in error resolution, and inability to contact appropriate personnel in times of hardship. . (D) The difference between Federal and private student loans in periods of disability was not well-understood. . (2) An estimated 2,500,000 individuals sustain a traumatic brain injury each year and older adolescents between 15 and 19 years of age are more likely to sustain a traumatic brain injury than individuals in other age groups. (3) It has been estimated that the annual incidence of spinal cord injury, not including those individuals who die at the scene of an accident, is approximately 54 cases per 1,000,000 individuals in the United States, or approximately 17,000 new cases each year. These injuries can lead to permanent disability or loss of movement and can prohibit the victim from engaging in any substantial gainful activity. (4) According to the CFPB, more than 90 percent of new private student loans are co-signed. (5) According to the CFPB, private student loan companies provide co-signer release to less than 1 percent of eligible borrowers. 2.