,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #ddhj  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,april #aj1 #bjad ,mr4
 ,ri*mond 7= himself1 ,mr4 ,al ,gre5 (  
,texas1 ,mr4 ,ha/+s ( ,florida1 ,mr4    
,c>son ( ,indiana1 ,ms4 ,lee (          
,cali=nia1 ,mr4 ,?ompson ( ,mississippi1
 ,mr4 ,ru%1 ,mr4 ,fattah1 ,ms4 ,br[n (  
,florida1 ,mr4 ,danny ,k4 ,davis (      
,ill9ois1 ,mr4 ,david ,scott ( ,georgia1
 ,mr4 ,payne1 ,mrs4 ,*ri/5s51 ,ms4      
,eddie ,b]nice ,johnson ( ,texas1 ,ms4  
,norton1 ,mr4 ,cumm+s1 ,mr4 ,cleav]1    
,ms4 ,wilson ( ,florida1 ,mr4           
,butt]field1 ,mr4 ,meeks1 ,ms4 ,moore1  
,mr4 ,jeffries1 ,mr4 ,johnson (         
,georgia1 ,ms4 ,jackson ,lee1 ,mr4      
,clyburn1 ,mr4 ,cony]s1 ,mrs4 ,beatty1  
,ms4 ,bass1 ,mr4 ,ellison1 ,mr4 ,veasey1
 ,ms4 ,fudge1 ,ms4 ,wat]s1 ,mr4 ,clay1  
,ms4 ,kelly ( ,ill9ois1 ,mr4 ,bi%op (   
,georgia1 ,ms4 ,sewell ( ,alabama1 &    
,ms4 ,cl>ke ( ,new ,york7 introduc$ !   
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,education & ! ,work=ce   

,a ,,bill  ,to am5d adv]se cr$it hi/ory 
det]m9ations = purposes ( ,f$]al ,direct
 ,,plus ,loan eligibility4  #a4 ,%ort   
title ,?is ,act may be cit$ z !         
,protect+ ,educational ,loans =         
,und]s]v$ ,/ud5ts ,act4  #b4 ,adv]se    
cr$it hi/ory det]m9ations = ,f$]al      
,direct ,,plus ,loan eligibility        
,section #dee ( ! ,high] ,education ,act
 ( #aife 7#bj ,u4,s4,c4 #ajhg;e7 is     
am5d$ by add+ at ! end ! foll[+3  7r7   
,f$]al ,direct ,,plus ,loans  7#a7 ,9   
g5]al ,beg9n+ ,july #a1 #bjad1 9 det]m9+
 ! eligibility ( a /ud5t to borr[ ,f$]al
 ,direct ,,plus ,loans1 ! ,secret>y %all
 det]m9e :e!r ! /ud5t has an adv]se     
cr$it hi/ory 9 accordance ) p>agraph    
7#b74  7#b7 ,det]m9ation ( adv]se cr$it 
hi/ory ,9 det]m9+ :e!r a /ud5t has an   
adv]se cr$it hi/ory = purposes (        
p>agraph 7#a71 ! ,secret>y--  7,a7 %all 
obta9 a cr$it report on ! /ud5t f at    
lea/ "o consum] report+ ag5cy describ$  
"u section #fjc7p7 ( ! ,fair ,cr$it     
,report+ ,act 7#ae ,u4,s4,c4 #afha;a7p77

 & )9 a timeframe t w\ld ensure ! mo/   
accurate1 curr5t repres5tation ( !      
/ud5t's cr$it hi/ory be=e ! fir/ day ( !
 p]iod ( enrollm5t = :i* ! loan is      
int5d$2  7,b7 unless ! ,secret>y        
det]m9es t ! /ud5t has ext5uat+         
circum/ances1 %all consid] t a /ud5t has
 an adv]se cr$it hi/ory bas$ on !       
/ud5t's cr$it report1 if--  7i7 ! /ud5t 
is consid]$ #ij or m days del9qu5t on ! 
repaym5t ( a debt exce$+ #b1jjj2 or     
7ii7 dur+ ! #c ye>s be=e ! date ( !     
cr$it report1 ! /ud5t has be5 ! subject 
( a--  7,i7 default det]m9ation2  7,,ii7
 bankruptcy dis*>ge2  7,,iii7 =eclosure2
  7,,iv7 repossession2  7,v7 tax li52   
7,,vi7 wage g>ni%m5t2 or  7,,vii7       
write-(f ( a debt "u ?is title2  7,c7   
%all n consid] a /ud5t ) debt t is      
unrelat$ to loans made "u ?is title & t1
 z ( ! date ( ! /ud5t's cr$it report1   
are 9 collections or h be5 *>g$ (f1 to h
 an adv]se cr$it hi/ory & %all n d5y a  
,f$]al ,direct ,,plus ,loan to ! /ud5t =
 hav+ su* debt2  7,d7 %all require t any

 /ud5t describ$ 9 subp>agraph 7,c7 or a 
/ud5t :o has be5 ! subject ( #a or m ( !
 actions describ$ 9 subclauses 7,i7     
?r\gh 7,,vii7 ( subp>agraph 7,b77ii7    
dur+ a p]iod end+ m ?an #c ye>s be=e !  
date ( ! /ud5t's cr$it report1 to       
p>ticipate 9 loan c\nsel+ provid$ by !  
applicable in/itution ( high] education 
z a condition ( be+ eligible to receive 
a ,f$]al ,direct ,,plus ,loan2  7,e7    
%all n consid] a /ud5t ) no cr$it hi/ory
 z an individual ) an adv]se cr$it      
hi/ory1 & %all n use a /ud5t's abs5ce ( 
cr$it hi/ory z a reason to d5y a ,f$]al 
,direct ,,plus ,loan to su* /ud5t2  7,f7
 %all reta9 a record ( ! ,secret>y's    
basis = det]m9+ t ! /ud5t has ext5uat+  
circum/ances "u subp>agraph 7,b71 :i*   
may include an updat$ cr$it report1 debt
 relat$ to a m$ical condition1 a /atem5t
 f a cr$itor t ! /ud5t has made         
satisfactory arrangem5ts to repay ! debt
 ow$ to ! cr$itor1 a satisfactory       
/atem5t f ! /ud5t expla9+ any           
del9qu5cies ) out/&+ balances ( less ?an

 #b1jjj1 or a r$uction ( ! cr$it        
requirem5ts "u ?is subsection 9 response
 to a natural disa/] or poor economic   
conditions t are un=ese5 or prolong$2 & 
7,g7 9 a case 9 :i* ! ,secret>y det]m9es
 t a /ud5t does n to h an adv]se cr$it  
hi/ory 9 accordance ) ?is subsection1   
%all consid] su* det]m9ation to be 9    
effect = a #b-ye> p]iod beg9n+ on ! date
 ! ,secret>y makes su* det]m9ation4     
7#c7 ,def9ition ,= purposes ( ?is       
subsection1 ! t]m /ud5t means a graduate
 or pr(essional /ud5t or ! p>5ts ( a    
dep5d5t /ud5t4  4  #c4 ,inapplicability 
( title ,,iv negotiat$ rulemak+         
requirem5t & ma/] cal5d> exception      
,sections #dhb7;c7 & #dib ( ! ,high]    
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhi7;c71 #ajih;a7 %all n apply to !   
am5dm5t made by section #b1 or to any   
regulations promulgat$ "u su* am5dm5t4