,,ii #aacth ,,congress #b;d ,session ,s4 #bddh ,,in ,,the ,,senate ,,of ,,the ,,united ,,states ,june #e1 #bjad ,mrs4 ,hagan introduced the following bill2 which was read twice and referred to the ,committee on ,veterans' ,affairs ,a ,,bill ,to protect servicemembers in higher education1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,servicemember ,higher ,education ,protection ,act4 #b4 ,references ,except as otherwise expressly provided1 wherever in this ,act an amendment or repeal is expressed in terms of an amendment to1 or repeal of1 a section or other provision1 the reference shall be considered to be made to a section or other provision of the ,higher ,education ,act of #aife 7#bj ,u4,s4,c4 #ajja et seq474 #c4 ,benefits for borrowers who are members of the ,armed ,forces ,section #aca7;f7 is amended to read as follows3 7f7 ,benefits for members of the ,armed ,forces 7#a7 ,website 7,a7 ,in ,general ,the ,secretary1 in coordination with the ,secretary of ,defense and the ,secretary of ,veterans ,affairs1 shall create a revised and updated searchable ,internet website that-- 7i7 contains information1 in simple and understandable terms1 about all ,federal and ,state student financial assistance1 readmission requirements under section #dhd;,c1 and other student services1 for which members of the ,armed ,forces 7including members of the ,national ,guard and ,reserves71 veterans1 and the dependents of such members or veterans may be eligible2 and 7ii7 is easily accessible through the ,internet website described in subsection 7e77#c74 7,b7 ,implementation ,not later than #cfe days after the date of the enactment of the ,servicemember ,higher ,education ,protection ,act1 the ,secretary shall make publicly available the revised and updated ,internet website described in subparagraph 7,a74 7,c7 ,dissemination ,the ,secretary1 in coordination with the ,secretary of ,defense and the ,secretary of ,veterans ,affairs1 shall make the availability of the ,internet website described in subparagraph 7,a7 widely known to members of the ,armed ,forces 7including members of the ,national ,guard and ,reserves71 veterans1 the dependents of such members or veterans1 ,states1 institutions of higher education1 and the general public4 7,d7 ,definition ,in this paragraph1 the term ,federal and ,state student financial assistance means any grant1 loan1 work assistance1 tuition assistance1 scholarship1 fellowship1 or other form of financial aid for pursuing a postsecondary education that is-- 7i7 administered1 sponsored1 or supported by the ,department of ,education1 the ,department of ,defense1 the ,department of ,veterans ,affairs1 or a ,state2 and 7ii7 available to members of the ,armed ,forces 7including members of the ,national ,guard and ,reserves71 veterans1 or the dependents of such members or veterans4 7#b7 ,enrollment ,form 7,a7 ,in ,general ,the ,secretary1 in consultation with the ,director of the ,bureau of ,consumer ,financial ,protection and the heads of any other relevant ,federal agencies1 shall create a simplified disclosure and enrollment form for borrowers who are performing eligible military service 7as defined in section #dha7;d774 7,b7 ,contents ,the disclosure and enrollment form described in subparagraph 7,a7 shall include-- 7i7 information about the benefits and protections under title ,,iv and under the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eja et seq47 that are available to such borrowers because of their status as borrowers who are performing eligible military service 7as defined in section #dha7;d772 and 7ii7 an opportunity for the borrower1 by completing the enrollment form1 to invoke certain protections1 activate certain benefits1 and enroll in certain programs that may be available to that borrower1 which shall include the opportunity-- 7,i7 to invoke applicable protections that are available under the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eja et seq471 as such protections relate to ,federal student loans under title ,,iv2 and 7,,ii7 to activate or enroll in any other applicable benefits that are available to such borrower under this ,act due to the borrower's status as a borrower who is performing eligible military service 7as defined in section #dha7;d771 such as eligibility for a deferment or eligibility for a period during which interest shall not accrue4 7,c7 ,implementation ,not later than #cfe days after the date of the enactment of the ,servicemember ,higher ,education ,protection ,act1 the ,secretary shall make available to eligible institutions1 eligible lenders1 and personnel at the ,department of ,defense and other ,federal agencies that provide services to borrowers who are members of the ,armed ,forces or the dependents of such members or individuals performing eligible military service1 the disclosure and enrollment form described in subparagraph 7,a74 7,d7 ,notice ,requirements 7i7 ,,scra interest rate limitation ,the completion of the disclosure and enrollment form created pursuant to subparagraph 7,a7 by the borrower of a loan made1 insured1 or guaranteed under part ,b or part ,d of title ,,iv who is otherwise subject to the interest rate limitation in subsection 7a7 of section #bjg of the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ebg7;a77 and submittal of such form to the ,secretary shall be considered1 for purposes of such section1 provision to the creditor of written notice as described in subsection 7b77#a7 of such section4 7ii7 ,,ffel ,lenders ,the ,secretary shall provide each such disclosure and enrollment form completed and submitted by a borrower of a loan made1 insured1 or guaranteed under part ,b of title ,,iv who is otherwise subject to the interest rate limitation in subsection 7a7 of section #bjg of the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ebg7;a77 to any applicable eligible lender under part ,b of title ,,iv so as to satisfy the provision to the lender of written notice as described in subsection 7b77#a7 of such section4 4 #d4 ,,poc in the ,,fsa ,ombudsman for members of the ,armed ,forces and veterans ,section #ada7;f7 7#bj ,u4,s4,c4 #ajah7;f77 is amended-- 7#a7 by redesignating paragraph 7#d7 as paragraph 7#e72 and 7#b7 by inserting after paragraph 7#c7 the following3 7#d7 ,military and ,veteran ,point of ,contact 7,a7 ,in general ,the ,chief ,operating ,officer1 in consultation with the ,secretary1 shall appoint a designated military and veteran point of contact within the office of the ,student ,loan ,ombudsman4 7,b7 ,functions ,the designated military and veteran point of contact described in subparagraph 7,a7 shall-- 7i7 monitor the complaints received from the ,ombudsman under paragraph 7#c77;,a7 from1 and provide timely assistance to1 members of the ,armed ,forces 7including members of the ,national ,guard and ,reserves71 veterans1 and their dependents2 7ii7 coordinate with other agencies1 including the ,department of ,defense1 the ,department of ,veterans ,affairs1 and the ,bureau of ,consumer ,financial ,protection1 to ensure that members of the ,armed ,forces1 veterans1 and the dependents of members of the ,armed ,forces and veterans1 who are students1 borrowers1 or potential borrowers1 are aware of the availability and functions of the ,ombudsman2 and 7iii7 issue to the ,committee on ,health1 ,education1 ,labor1 and ,pensions of the ,senate1 the ,committee on ,education and the ,workforce of the ,house of ,representatives1 the ,committee on ,veterans' ,affairs of the ,senate1 the ,committee on ,veterans' ,affairs of the ,house of ,representatives1 the ,committee on ,armed ,services of the ,senate1 and the ,committee on ,armed ,services of the ,house of ,representatives an annual report on the challenges that such members of the ,armed ,forces1 veterans1 and dependents are facing as students1 borrowers1 and potential borrowers4 4 #e4 ,disability determinations 7a7 ,amendment to the ,higher ,education ,act of #aife ,section #dcg7;a77#b7 7#bj ,u4,s4,c4 #ajhg7;a77#b77 is amended to read as follows3 7#b7 ,disability determinations 7,a7 ,in ,general ,a borrower who has been assigned a disability rating of #ajj percent 7or a combination of ratings equaling #ajj percent or more7 by the ,secretary of ,veterans ,affairs or the ,secretary of ,defense for a service-connected disability 7as defined in section #aja of title #ch1 ,united ,states ,code7 and who provides documentation of such rating to the ,secretary of ,education1 shall be considered permanently and totally disabled for the purpose of discharging such borrower's loans under this subsection1 and such borrower shall not be required to present any additional documentation for purposes of this subsection4 7,b7 ,rating of disability ,a disability rating described in subparagraph 7,a71 or similar determination of unemployability by the ,secretary of ,veterans ,affairs or the ,department of ,defense1 transmitted in accordance with subparagraph 7,c7 shall be considered sufficient documentation for purposes of this subsection4 7,c7 ,transfer of information ,not later than #ahj days after the date of enactment of the ,servicemember ,higher ,education ,protection ,act1 the ,secretary1 in coordination with the ,secretary of ,defense and the ,secretary of ,veterans ,affairs1 shall create a system through which the applicable disability ratings 7or alternative means of transmitting a determination of unemployability7 shall be automatically transmitted from the ,department of ,defense or the ,department of ,veterans ,affairs1 as the case may be1 to the ,department of ,education and shall satisfy the documentation requirement described in this paragraph4 ,the ,secretary shall have the authority to enter into any agreements necessary to implement the requirements of this paragraph4 4 7b7 ,reports 7#a7 ,plan ,not later than #ij days after the date of the enactment of this ,act1 the ,secretary of ,education shall submit to the appropriate committees of ,congress a report that includes a plan to carry out the activities described under section #dcg7;a77#b77;,c7 of the ,higher ,education ,act of #aife 7#bj ,u4,s4,c4 #ajhg7;a77#b771 as amended by this section4 7#b7 ,follow-up ,report ,if the ,secretary of ,education has not carried out the activities described under section #dcg7;a77#b77;,c7 of the ,higher ,education ,act of #aife1 as amended by this section1 by the date that is #a year after the date of enactment of this ,act1 the ,secretary of ,education shall submit1 by such date1 a report that includes an explanation of why those activities have not been implemented and a description of any legislative changes that are necessary to allow for the implementation of such activities4 #f4 ,loan deferment for borrowers performing military service and certain spouses of members of the ,armed ,forces 7a7 ,,ffel ,loans ,section #dbh7;b77#a77,m7 7#bj ,u4,s4,c4 #ajgh7;b77#a77,m77 is amended-- 7#a7 by redesignating clause 7iv7 as clause 7v72 7#b7 in clause 7iii71 by striking the borrower-- and all that follows through described in subclause 7,i7 or 7,,ii72 or and inserting the borrower is performing eligible military service1 and for the #ahj-;day period following the demobilization date for such eligible military service22 and 7#c7 by inserting after clause 7iii7 the following3 7iv7 not in excess of #ahj days after the effective movement date listed on the military orders of a borrower's spouse if that spouse is a member of the ,armed ,forces who has received military orders for a permanent change of station2 or 4 7b7 ,direct ,loans ,section #dee7;f77#b7 7#bj ,u4,s4,c4 #ajhg;e7f77#b77 is amended-- 7#a7 by redesignating subparagraph 7,d7 as subparagraph 7,e72 7#b7 in subparagraph 7,c71 by striking the borrower-- and all that follows through described in clause 7i7 or 7ii72 or and inserting the borrower is performing eligible military service1 and for the #ahj-;day period following the demobilization date for such eligible military service2 and 7#c7 by inserting after subparagraph 7,c7 the following3 7,d7 any period not in excess of #ahj days after the effective movement date listed on the military orders of a borrower's spouse if that spouse is a member of the ,armed ,forces who has received military orders for a permanent change of station2 or 4 7c7 ,federal ,perkins ,loans 7#a7 ,section #dfd7;c77#b77;,a7 7#bj ,u4,s4,c4 #ajhg;dd7c77#b77;,a77 is amended-- 7,a7 by redesignating clauses 7iv7 and 7v7 as clauses 7v7 and 7vi71 respectively2 7,b7 in clause 7iii71 by striking the borrower-- and all that follows through described in subclause 7,i7 or 7,,ii72 and inserting during which the borrower is performing eligible military service1 and for the #ahj-;day period following the demobilization date for such eligible military service22 and 7,c7 by inserting after clause 7iii7 the following3 7iv7 not in excess of #ahj days after the effective movement date listed on the military orders of a borrower's spouse if that spouse is a member of the ,armed ,forces who has received military orders for a permanent change of station2 or 4 7#b7 ,section #dfe7;a77#b77;,d7 7#bj ,u4,s4,c4 #ajhg;ee7a77#b77;,d77 is amended by striking qualifies for special pay under section #caj of title #cg1 ,united ,states ,code1 as an area of hostilities and inserting is eligible military service4 7d7 ,definition ,section #dha7;d7 7#bj ,u4,s4,c4 #ajhh7;d77 is amended-- 7#a7 by redesignating paragraphs 7#b7 through 7#e7 as paragraphs 7#c7 through 7#f71 respectively2 and 7#b7 by inserting after paragraph 7#a7 the following3 7#b7 ,eligible military service ,the term eligible military service-- 7,a7 in the case of a member of a regular component of the ,armed ,forces1 means full-time duty in the ,armed ,forces1 other than active duty for training 7as defined in section #aja of title #ch1 ,united ,states ,code72 7,b7 in the case of a member of the reserve components of the ,armed ,forces1 means service on active duty under a call or order to active duty under section #fhh1 #abcja7;a71 #abcja7;d71 #abcja7;g71 #abcjb1 or #abcjd of title #aj1 ,united ,states ,code1 or section #gab of title #ad1 ,united ,states ,code2 7,c7 in the case of a member of the ,army ,national ,guard of the ,united ,states or ,air ,national ,guard of the ,united ,states1 means1 in addition to service described in subparagraph 7,b71 full-time service-- 7i7 in the ,national ,guard of a ,state for the purpose of organizing1 administering1 recruiting1 instructing1 or training the ,national ,guard2 or 7ii7 in the ,national ,guard under section #ejb7;f7 of title #cb1 ,united ,states ,code1 when authorized by the ,president or the ,secretary of ,defense for the purpose of responding to a national emergency declared by the ,president and supported by ,federal funds2 7,d7 in the case of a servicemember who is a commissioned officer of the ,public ,health ,service or the ,national ,oceanic and ,atmospheric ,administration1 active service2 and 7,e7 does not include any period during which an individual-- 7i7 was assigned full-time by the ,armed ,forces to a civilian institution for a course of education that was substantially the same as established courses offered to civilians2 7ii7 serves as a cadet or midshipman at one of the military service academies of the ,united ,states2 or 7iii7 serves under the provisions of section #abajc7;d7 of title #aj1 ,united ,states ,code1 pursuant to an enlistment in the ,army ,national ,guard or the ,air ,national ,guard1 or as a ,reserve for service in the ,army ,reserve1 ,navy ,reserve1 ,air ,force ,reserve1 ,marine ,corps ,reserve1 or ,coast ,guard ,reserve4 4 #g4 ,public service loan forgiveness ,section #dee7m7 7#bj ,u4,s4,c4 #ajhg;e7m77 is amended-- 7#a7 by redesignating paragraphs 7#c7 and 7#d7 as paragraphs 7#d7 and 7#e71 respectively2 and 7#b7 by inserting after paragraph 7#b7 the following3 7#c7 ,lump sum payment ,for purposes of this subsection1 if a borrower has enrolled in a repayment plan described in paragraph 7#a77;,a7 and makes a lump sum payment through a student loan repayment program under section #baga of title #aj1 ,united ,states ,code1 or a similarly structured eligible repayment program 7as determined by the ,secretary71 the ,secretary will treat the borrower as having made a number of qualifying payments equal to the lesser of-- 7,a7 the number1 rounded to the nearest whole number1 equal to the quotient of-- 7i7 such lump sum payment2 divided by 7ii7 the monthly payment amount that the borrower would have otherwise made under the repayment plan described in paragraph 7#a77;,a7 selected by the borrower2 or 7,b7 #ab payments4 4 #h4 ,accrual of interest for members of the ,armed ,forces subject to hostile fire or imminent danger ,section #dee7o7 is amended-- 7#a7 by striking paragraph 7#a7 and inserting the following3 7#a7 ,in ,general ,notwithstanding any other provision of this part and in accordance with paragraphs 7#b7 and 7#d71 the ,secretary shall not charge interest on a loan made to a borrower under this part for which the first disbursement is made on or after ,october #a1 #bjjh1 during the period in which a borrower who is performing eligible military service 7as defined in section #dha7;d77 is serving in an area of hostilities in which service qualifies for special pay under section #caj of title #cg1 ,united ,states ,code4 2 7#b7 by striking paragraph 7#c7 and inserting the following3 7#c7 ,implementation of accrual of interest provision for members of the ,armed ,forces 7,a7 ,in ,general ,the ,secretary shall enter into any necessary agreements1 including agreements with the ,commissioner of ,revenue and the ,secretary of ,defense-- 7i7 to ensure that interest does not accrue for borrowers described in paragraph 7#a71 in accordance with this subsection2 and 7ii7 to obtain or provide any information necessary to implement clause 7i7 without requiring a request from the borrower4 7,b7 ,reports 7i7 ,plan ,not later than #ij days after the date of the enactment of the ,servicemember ,higher ,education ,protection ,act1 the ,secretary shall submit to the appropriate committees of ,congress a report that includes a plan to implement the accrual of interest provision described in subparagraph 7,a74 7ii7 ,follow-up ,report ,if the ,secretary has not implemented the accrual of interest provision described in subparagraph 7,a7 by the date that is #a year after the date of enactment of the ,servicemember ,higher ,education ,protection ,act1 the ,secretary shall submit1 by such date1 a report that includes an explanation of why such provision has not been implemented and a description of any legislative changes that are necessary to allow for the implementation of such provision4 2 and 7#c7 in paragraph 7#d71 by striking who qualifies as an eligible military borrower under this subsection and inserting described in paragraph 7#a74 #i4 ,national ,student ,loan ,data ,system 7a7 ,amendment to the ,higher ,education ,act of #aife ,subsection 7h7 of section #dhe;,b 7#bj ,u4,s4,c4 #ajib;b7h77 is amended to read as follows3 7h7 ,integration of databases 7#a7 ,in ,general ,the ,secretary shall integrate the ,national ,student ,loan ,data ,system with the ,federal ,pell ,grant applicant and recipient databases as of ,january #a1 #aiid1 and any other databases containing information on participation in programs under this title4 7#b7 ,department of ,defense ,information 7,a7 ,in ,general ,in order to incorporate the military and veteran status of borrowers into the ,national ,student ,loan ,data ,system1 the ,secretary shall integrate the ,national ,student ,loan ,data ,system with information from-- 7i7 the ,department of ,defense1 including the ,defense ,manpower ,data ,center2 and 7ii7 the ,department of ,veterans ,affairs1 including data about veterans who are eligible for educational assistance under laws administered by the ,secretary of ,veterans ,affairs4 7,b7 ,memoranda of understanding ,the ,secretary shall enter into any memoranda of understanding or other agreements that are necessary to carry out this paragraph4 4 7b7 ,reports 7#a7 ,plan ,not later than #ij days after the date of the enactment of this ,act1 the ,secretary of ,education shall submit to the appropriate committees of ,congress a report that includes a plan to implement the ,department of ,defense data integration provision described under section #dhe;,b7h77#b7 of the ,higher ,education ,act of #aife1 as amended by this section4 7#b7 ,follow-up ,report ,if the ,secretary of ,education has not implemented the ,department of ,defense data integration provision described under section #dhe;,b7h77#b7 of the ,higher ,education ,act of #aife1 as amended by this section1 by the date that is #a year after the date of enactment of this ,act1 the ,secretary of ,education shall submit1 by such date1 a report that includes an explanation of why such provision has not been implemented and a description of any legislative changes that are necessary to allow for the implementation of such provision4 #aj4 ,program participation agreements ,section #dhg7;a7 is amended by adding at the end the following3 7#cj7 ,in the case of an institution that enrolls during an academic year more than #ajj students who are veterans1 the institution shall certify that the institution has developed and implemented a plan to ensure the success of veterans at that institution4 ,to the extent practicable1 the institution shall make the plan1 and associated policies1 public and accessible to students who are veterans4 ,such plan shall include the following3 7,a7 ,the designation of certain faculty or staff at the institution who will serve as a point of contact for veterans-- 7i7 within campus offices1 including the admissions office2 and 7ii7 during any orientation process for newly enrolled students4 7,b7 ,the establishment of a working group that will be responsible for veterans' issues4 7,c7 ,a description of disability services that are available to meet the needs of disabled students who are veterans4 7,d7 ,a plan for how the institution will identify students who are veterans through the application process1 or through other processes1 to provide better assistance in the receipt of educational assistance under laws administered by the ,secretary of ,veterans ,affairs or the ,secretary of ,defense4 7,e7 ,a description of how the institution will evaluate and maximize the number of credits students can receive from military training and service4 4 #aa4 ,extending the protections for student loans for active duty borrowers ,section #dic;,d 7#bj ,u4,s4,c4 #ajih;f7 is amended-- 7#a7 in the section heading1 by inserting and protections for active duty borrowers before the period at the end2 7#b7 by redesignating subsection 7b7 as subsection 7c72 and 7#c7 by inserting after subsection 7a7 the following3 7b7 ,use of information 7#a7 ,in general ,the ,secretary shall utilize information the ,secretary receives regarding the active duty status of borrowers from the ,secretary of ,defense for any purpose under this title to ensure that the interest rate charged on any loan made under part ,d of title ,,iv for borrowers who are subject to section #bjg7;a77#a7 of the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ebg7;a77#a77 does not exceed the maximum interest rate set forth in such section4 7#b7 ,,scra interest rate limitation notice requirements ,the submittal by the ,secretary of ,defense to the ,secretary of ,education of information that informs the ,secretary of ,education that an individual with a student loan under part ,d of title ,,iv has been or is being called to military service 7as defined in section #aja of the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 #eaa77 shall be considered1 for purposes of subjecting such student loan to the provisions of section #bjg of the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ebg71 provision by the borrower to the creditor of written notice and a copy of military orders as described in subsection 7b77#a7 of such section4 7#c7 ,procedures ,not later than #ahj days after the date of enactment of the ,servicemember ,higher ,education ,protection ,act1 the ,secretary1 in consultation with the ,department of ,defense1 shall establish a procedure to implement this subsection4 4 #ab4 ,modification of limitation on rate of interest on student loans during and immediately after period of military service 7a7 ,extension of period of applicability of limitation on rate of interest on student loans incurred before service ,section #bjg7;a77#a7 of the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ebg7;a77#a77 is amended-- 7#a7 in subparagraph 7,a71 by inserting or a student loan after nature of a mortgage2 and 7#b7 in the paragraph heading1 by inserting on debt incurred before service after ,limitation to #f percent4 7b7 ,debt entered into during military service ,to consolidate or refinance student loans incurred before military service ,subsection 7a7 of section #bjg of such ,act 7#ej ,u4,s4,c4 ,app4 #ebg7 is amended-- 7#a7 by redesignating paragraphs 7#b7 and 7#c7 as paragraphs 7#c7 and 7#d71 respectively2 7#b7 by inserting after paragraph 7#a7 the following new paragraph 7#b73 7#b7 ,limitation to #f percent on debt incurred during service to consolidate or refinance student loans incurred before service ,an obligation or liability bearing interest at a rate in excess of #f percent per year that is incurred by a servicemember1 or the servicemember and the servicemember's spouse jointly1 during military service to consolidate or refinance one or more student loans incurred by the servicemember before such military service shall not bear an interest at a rate in excess of #f percent during the period of military service and one year thereafter4 2 7#c7 in paragraph 7#c71 as redesignated by paragraph 7#a7 of this subsection1 by inserting or 7#b7 after paragraph 7#a72 and 7#d7 in paragraph 7#d71 as so redesignated1 by striking paragraph 7#b7 and inserting paragraph 7#c74 7c7 ,implementation of limitation ,subsection 7b7 of such section is amended-- 7#a7 in paragraph 7#a71 by striking the interest rate limitation in subsection 7a7 and inserting an interest rate limitation in paragraph 7#a7 or 7#b7 of subsection 7a72 and 7#b7 in paragraph 7#b7-- 7,a7 in the paragraph heading1 by striking as of date of order to active duty2 and 7,b7 by inserting before the period at the end the following3 in the case of an obligation or liability covered by subsection 7a77#a71 or as of the date the servicemember 7or servicemember and spouse jointly7 incurs the obligation or liability concerned under subsection 7a77#b74 7d7 ,student loan defined ,subsection 7d7 of such section is amended by adding at the end the following new paragraph3 7#c7 ,student loan ,the term student loan means the following3 7,a7 ,a ,federal student loan made1 insured1 or guaranteed under title ,,iv of the ,higher ,education ,act of #aife 7#bj ,u4,s4,c4 #ajgj et seq474 7,b7 ,a private student loan as that term is defined in section #adj7;a7 of the ,truth in ,lending ,act 7#ae ,u4,s4,c4 #afej7;a774 4 #ac4 ,working group on improvement of resources available to members of the ,armed ,forces and their spouses in using tuition assistance programs of the ,department of ,defense 7a7 ,working group required ,the ,secretary of ,defense1 the ,secretary of ,education1 the ,secretary of ,veterans ,affairs1 and the ,director of the ,bureau of ,consumer ,financial ,protection shall jointly1 and in consultation with the heads of such other departments and agencies of the ,federal ,government as such officials consider appropriate1 establish and maintain a working group to assess and improve the resources available to education service officers and other personnel of the ,federal ,government who provide assistance to members of the ,armed ,forces and their spouses in using or seeking to use the tuition assistance programs of the ,department of ,defense4 7b7 ,resources ,in improving resources as described in subsection 7a71 the working group shall provide for the inclusion of the following in such resources3 7#a7 ,information on the benefits and protections for members of the ,armed ,forces and their dependents provided in this ,act and the amendments made by this ,act4 7#b7 ,consumer information1 resources1 and tools created and maintained by the working group pursuant to this section4 7#c7 ,information on the availability of consumer protection measures1 including the complaint system established pursuant to ,executive ,order #acfjg 7#gg ,fed4 ,reg4 #behfa2 relating to establishing principles of excellence for educational institutions serving servicemembers1 veterans1 spouses1 and other family members74 7#d7 ,such other information or resources as the working group considers appropriate4 #ad4 ,exception for ,servicemembers ,civil ,relief ,act ,section #dbh7;d7 7#bj ,u4,s4,c4 #ajgh7;d77 is amended by striking 8section #bjg of the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ebg70 and inserting 8the ,servicemembers ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eja et seq4704