,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #eeif  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #ah1 #bjad  
,mr4 ,g>cia 7= himself1 ,mr4 ,ha/+s (   
,florida1 ,mr4 ,murphy ( ,florida1 &    
,mr4 ,payne7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,education & ! ,work=ce  ,a ,,bill  ,to 
provide borr[]s ( ,f$]al ,family        
,education ,loans ) ! repaym5t t]ms     
available to borr[]s ( ,f$]al ,direct   
,loans1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z !         
,fairness 9 ,/ud5t ,loan ,repaym5t ,act4
  #b4 ,repaym5t t]ms = ,f$]al ,family   
,education ,loans  7a7 ,9 g5]al ,section
 #dee ( ! ,high] ,education ,act ( #aife
 7#bj ,u4,s4,c4 #ajhg;e7 is am5d$ by    
add+ at ! end ! foll[+ new subsection3  
7r7 ,repaym5t t]ms = ,f$]al ,family     
,education ,loans  7#a7 ,applicability (
 programs available "u ?is section ,!   
,secret>y %all apply subsections 7d71   
7e71 7f71 7l71 7m71 & 7o7 to all loans  
made "u "p ,b z if su* loans 7 made "u  

?is "p4  7#b7 ,paym5t ( balance & int]e/
 ,9 c>ry+ out p>agraph 7#a71 ! ,secret>y
 %all pay to ! hold] ( a loan made "u "p
 ,b ! am\nt ( pr9cipal1 int]e/1 or      
special all[ance paym5ts necess>y to    
apply subsections 7d71 7e71 7f71 7l71   
7m71 & 7o7 to su* loan1 z appropriate4  
4  7b7 ,consolidation loans ,section    
#dbh;,c7a77#c77;,b77i7 ( ! ,high]       
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg-c7;a77#c77;,b77i77 is am5d$--     
7#a7 9 subclause 7,,iii71 by /rik+ !    
semicolon & ins]t+ 2 &2  7#b7 9         
subclause 7,,iv71 by /rik+ 2 & & ins]t+ 
a p]iod2 &  7#c7 by /rik+ subclause     
7,v74