,,ii  #aac? ,,congress  #b;d ,session   
,s4 #bddh  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #e1 #bjad ,mrs4  
,hagan introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,vet]ans' ,affairs  ,a ,,bill  ,to      
protect s]vicememb]s 9 high] education1 
& = o!r purposes4  #a4 ,%ort title ,?is 
,act may be cit$ z ! ,s]vicememb] ,high]
 ,education ,protection ,act4  #b4      
,ref]5ces  ,except z o!rwise expressly  
provid$1 :]ev] 9 ?is ,act an am5dm5t or 
repeal is express$ 9 t]ms ( an am5dm5t  
to1 or repeal (1 a section or o!r       
provision1 ! ref]5ce %all be consid]$ to
 be made to a section or o!r provision (
 ! ,high] ,education ,act ( #aife 7#bj  
,u4,s4,c4 #ajja et seq474  #c4  ,b5efits
 = borr[]s :o are memb]s ( ! ,arm$ ,=ces
  ,section #aca7;f7 is am5d$ to read z  
foll[s3  7f7  ,b5efits = memb]s ( !     
,arm$ ,=ces  7#a7  ,website  7,a7  ,9   
,g5]al  ,! ,secret>y1 9 coord9ation ) ! 
,secret>y ( ,def5se & ! ,secret>y (     
,vet]ans ,affairs1 %all create a revis$ 

& updat$ se>*able ,int]net website t--  
7i7 conta9s in=mation1 9 simple &       
und]/&able t]ms1 ab\t all ,f$]al & ,/ate
 /ud5t f9ancial assi/ance1 readmission  
requirem5ts "u section #dhd;,c1 & o!r   
/ud5t s]vices1 = :i* memb]s ( ! ,arm$   
,=ces 7includ+ memb]s ( ! ,national     
,gu>d & ,res]ves71 vet]ans1 & ! dep5d5ts
 ( su* memb]s or vet]ans may be         
eligible2 &  7ii7 is easily accessible  
?r\gh ! ,int]net website describ$ 9     
subsection 7e77#c74  7,b7               
,implem5tation  ,n lat] ?an #cfe days   
aft] ! date ( ! enactm5t ( !            
,s]vicememb] ,high] ,education          
,protection ,act1 ! ,secret>y %all make 
publicly available ! revis$ & updat$    
,int]net website describ$ 9 subp>agraph 
7,a74  7,c7  ,dissem9ation  ,!          
,secret>y1 9 coord9ation ) ! ,secret>y (
 ,def5se & ! ,secret>y ( ,vet]ans       
,affairs1 %all make ! availability ( !  
,int]net website describ$ 9 subp>agraph 
7,a7 widely kn[n to memb]s ( ! ,arm$    
,=ces 7includ+ memb]s ( ! ,national     

,gu>d & ,res]ves71 vet]ans1 ! dep5d5ts (
 su* memb]s or vet]ans1 ,/ates1         
in/itutions ( high] education1 & ! g5]al
 public4  7,d7  ,def9ition  ,9 ?is      
p>agraph1 ! t]m ,f$]al & ,/ate /ud5t    
f9ancial assi/ance means any grant1     
loan1 "w assi/ance1 tuition assi/ance1  
s*ol>%ip1 fell[%ip1 or o!r =m ( f9ancial
 aid = pursu+ a po/second>y education t 
is--  7i7 adm9i/]$1 sponsor$1 or        
support$ by ! ,dep>tm5t ( ,education1 ! 
,dep>tm5t ( ,def5se1 ! ,dep>tm5t (      
,vet]ans ,affairs1 or a ,/ate2 &  7ii7  
available to memb]s ( ! ,arm$ ,=ces     
7includ+ memb]s ( ! ,national ,gu>d &   
,res]ves71 vet]ans1 or ! dep5d5ts ( su* 
memb]s or vet]ans4  7#b7  ,enrollm5t ,=m
  7,a7  ,9 ,g5]al  ,! ,secret>y1 9      
consultation ) ! ,director ( ! ,bureau (
 ,consum] ,f9ancial ,protection & !     
heads ( any o!r relevant ,f$]al ag5cies1
 %all create a simplifi$ disclosure &   
enrollm5t =m = borr[]s :o are p]=m+     
eligible milit>y s]vice 7z def9$ 9      
section #dha7;d774  7,b7  ,cont5ts  ,!  

disclosure & enrollm5t =m describ$ 9    
subp>agraph 7,a7 %all include--  7i7    
in=mation ab\t ! b5efits & protections  
"u title ,,iv & "u ! ,s]vicememb]s      
,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4
 #eja et seq47 t are available to su*   
borr[]s because ( _! /atus z borr[]s :o 
are p]=m+ eligible milit>y s]vice 7z    
def9$ 9 section #dha7;d772 &  7ii7 an   
opportunity = ! borr[]1 by complet+ !   
enrollm5t =m1 to invoke c]ta9           
protections1 activate c]ta9 b5efits1 &  
enroll 9 c]ta9 programs t may be        
available to t borr[]1 :i* %all include 
! opportunity--  7,i7 to invoke         
applicable protections t are available  
"u ! ,s]vicememb]s ,civil ,relief ,act  
7#ej ,u4,s4,c4 ,app4 #eja et seq471 z   
su* protections relate to ,f$]al /ud5t  
loans "u title ,,iv2 &  7,,ii7 to       
activate or enroll 9 any o!r applicable 
b5efits t are available to su* borr[] "u
 ?is ,act due to ! borr[]'s /atus z a   
borr[] :o is p]=m+ eligible milit>y     
s]vice 7z def9$ 9 section #dha7;d771 su*

 z eligibility = a def]m5t or           
eligibility = a p]iod dur+ :i* int]e/   
%all n accrue4  7,c7  ,implem5tation  ,n
 lat] ?an #cfe days aft] ! date ( !     
enactm5t ( ! ,s]vicememb] ,high]        
,education ,protection ,act1 ! ,secret>y
 %all make available to eligible        
in/itutions1 eligible l5d]s1 & p]sonnel 
at ! ,dep>tm5t ( ,def5se & o!r ,f$]al   
ag5cies t provide s]vices to borr[]s :o 
are memb]s ( ! ,arm$ ,=ces or ! dep5d5ts
 ( su* memb]s or individuals p]=m+      
eligible milit>y s]vice1 ! disclosure & 
enrollm5t =m describ$ 9 subp>agraph     
7,a74  7,d7  ,notice ,requirem5ts  7i7  
,,scra int]e/ rate limitation  ,!       
completion ( ! disclosure & enrollm5t =m
 creat$ pursuant to subp>agraph 7,a7 by 
! borr[] ( a loan made1 insur$1 or      
gu>ante$ "u "p ,b or "p ,d ( title ,,iv 
:o is o!rwise subject to ! int]e/ rate  
limitation 9 subsection 7a7 ( section   
#bjg ( ! ,s]vicememb]s ,civil ,relief   
,act 7#ej ,u4,s4,c4 ,app4 #ebg7;a77 &   
submittal ( su* =m to ! ,secret>y %all  

be consid]$1 = purposes ( su* section1  
provision to ! cr$itor ( writt5 notice z
 describ$ 9 subsection 7b77#a7 ( su*    
section4  7ii7  ,,ffel ,l5d]s  ,!       
,secret>y %all provide ea* su*          
disclosure & enrollm5t =m complet$ &    
submitt$ by a borr[] ( a loan made1     
insur$1 or gu>ante$ "u "p ,b ( title    
,,iv :o is o!rwise subject to ! int]e/  
rate limitation 9 subsection 7a7 (      
section #bjg ( ! ,s]vicememb]s ,civil   
,relief ,act 7#ej ,u4,s4,c4 ,app4       
#ebg7;a77 to any applicable eligible    
l5d] "u "p ,b ( title ,,iv s z to       
satisfy ! provision to ! l5d] ( writt5  
notice z describ$ 9 subsection 7b77#a7 (
 su* section4  4  #d4  ,,poc 9 ! ,,fsa  
,ombudsman = memb]s ( ! ,arm$ ,=ces &   
vet]ans  ,section #ada7;f7 7#bj         
,u4,s4,c4 #ajah7;f77 is am5d$--  7#a7 by
 r$esignat+ p>agraph 7#d7 z p>agraph    
7#e72 &  7#b7 by ins]t+ aft] p>agraph   
7#c7 ! foll[+3  7#d7  ,milit>y & ,vet]an
 ,po9t ( ,contact  7,a7  ,9 g5]al  ,!   
,*ief ,op]at+ ,(fic]1 9 consultation ) !

 ,secret>y1 %all appo9t a designat$     
milit>y & vet]an po9t ( contact )9 !    
(fice ( ! ,/ud5t ,loan ,ombudsman4  7,b7
  ,functions  ,! designat$ milit>y &    
vet]an po9t ( contact describ$ 9        
subp>agraph 7,a7 %all--  7i7 monitor !  
compla9ts receiv$ f ! ,ombudsman "u     
p>agraph 7#c77;,a7 f1 & provide timely  
assi/ance to1 memb]s ( ! ,arm$ ,=ces    
7includ+ memb]s ( ! ,national ,gu>d &   
,res]ves71 vet]ans1 & _! dep5d5ts2  7ii7
 coord9ate ) o!r ag5cies1 includ+ !     
,dep>tm5t ( ,def5se1 ! ,dep>tm5t (      
,vet]ans ,affairs1 & ! ,bureau (        
,consum] ,f9ancial ,protection1 to      
ensure t memb]s ( ! ,arm$ ,=ces1        
vet]ans1 & ! dep5d5ts ( memb]s ( ! ,arm$
 ,=ces & vet]ans1 :o are /ud5ts1        
borr[]s1 or pot5tial borr[]s1 are aw>e (
 ! availability & functions ( !         
,ombudsman2 &  7iii7 issue to !         
,committee on ,heal?1 ,education1       
,labor1 & ,p5sions ( ! ,s5ate1 !        
,committee on ,education & ! ,work=ce ( 
! ,h\se ( ,repres5tatives1 ! ,committee 

on ,vet]ans' ,affairs ( ! ,s5ate1 !     
,committee on ,vet]ans' ,affairs ( !    
,h\se ( ,repres5tatives1 ! ,committee on
 ,arm$ ,s]vices ( ! ,s5ate1 & !         
,committee on ,arm$ ,s]vices ( ! ,h\se (
 ,repres5tatives an annual report on !  
*all5ges t su* memb]s ( ! ,arm$ ,=ces1  
vet]ans1 & dep5d5ts are fac+ z /ud5ts1  
borr[]s1 & pot5tial borr[]s4  4  #e4    
,disability det]m9ations  7a7  ,am5dm5t 
to ! ,high] ,education ,act ( #aife     
,section #dcg7;a77#b7 7#bj ,u4,s4,c4    
#ajhg7;a77#b77 is am5d$ to read z       
foll[s3  7#b7  ,disability det]m9ations 
7,a7  ,9 ,g5]al  ,a borr[] :o has be5   
assign$ a disability rat+ ( #ajj p]c5t  
7or a comb9ation ( rat+s equal+ #ajj    
p]c5t or m7 by ! ,secret>y ( ,vet]ans   
,affairs or ! ,secret>y ( ,def5se = a   
s]vice-connect$ disability 7z def9$ 9   
section #aja ( title #ch1 ,unit$ ,/ates 
,code7 & :o provides docum5tation ( su* 
rat+ to ! ,secret>y ( ,education1 %all  
be consid]$ p]man5tly & totally disabl$ 
= ! purpose ( dis*>g+ su* borr[]'s loans

 "u ?is subsection1 & su* borr[] %all n 
be requir$ to pres5t any additional     
docum5tation = purposes ( ?is           
subsection4  7,b7  ,rat+ ( disability   
,a disability rat+ describ$ 9           
subp>agraph 7,a71 or simil> det]m9ation 
( unemployability by ! ,secret>y (      
,vet]ans ,affairs or ! ,dep>tm5t (      
,def5se1 transmitt$ 9 accordance )      
subp>agraph 7,c7 %all be consid]$       
suffici5t docum5tation = purposes ( ?is 
subsection4  7,c7  ,transf] ( in=mation 
,n lat] ?an #ahj days aft] ! date (     
enactm5t ( ! ,s]vicememb] ,high]        
,education ,protection ,act1 !          
,secret>y1 9 coord9ation ) ! ,secret>y (
 ,def5se & ! ,secret>y ( ,vet]ans       
,affairs1 %all create a sy/em ?r\gh :i* 
! applicable disability rat+s 7or       
alt]native means ( transmitt+ a         
det]m9ation ( unemployability7 %all be  
automatically transmitt$ f ! ,dep>tm5t (
 ,def5se or ! ,dep>tm5t ( ,vet]ans      
,affairs1 z ! case may be1 to !         
,dep>tm5t ( ,education & %all satisfy ! 

docum5tation requirem5t describ$ 9 ?is  
p>agraph4 ,! ,secret>y %all h ! au?ority
 to ent] into any agreem5ts necess>y to 
implem5t ! requirem5ts ( ?is p>agraph4  
4  7b7  ,reports  7#a7  ,plan  ,n lat]  
?an #ij days aft] ! date ( ! enactm5t ( 
?is ,act1 ! ,secret>y ( ,education %all 
submit to ! appropriate committees (    
,congress a report t includes a plan to 
c>ry out ! activities describ$ "u       
section #dcg7;a77#b77;,c7 ( ! ,high]    
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg7;a77#b771 z am5d$ by ?is section4 
7#b7  ,foll[-up ,report  ,if ! ,secret>y
 ( ,education has n c>ri$ out !         
activities describ$ "u section          
#dcg7;a77#b77;,c7 ( ! ,high] ,education 
,act ( #aife1 z am5d$ by ?is section1 by
 ! date t is #a ye> aft] ! date (       
enactm5t ( ?is ,act1 ! ,secret>y (      
,education %all submit1 by su* date1 a  
report t includes an explanation ( :y ^?
 activities h n be5 implem5t$ & a       
description ( any legislative *anges t  
are necess>y to all[ = ! implem5tation (

 su* activities4  #f4  ,loan def]m5t =  
borr[]s p]=m+ milit>y s]vice & c]ta9    
sp\ses ( memb]s ( ! ,arm$ ,=ces  7a7    
,,ffel ,loans  ,section #dbh7;b77#a77,m7
 7#bj ,u4,s4,c4 #ajgh7;b77#a77,m77 is   
am5d$--  7#a7 by r$esignat+ clause 7iv7 
z clause 7v72  7#b7 9 clause 7iii71 by  
/rik+ ! borr[]-- & all t foll[s ?r\gh   
describ$ 9 subclause 7,i7 or 7,,ii72 or 
& ins]t+ ! borr[] is p]=m+ eligible     
milit>y s]vice1 & = ! #ahj-;day p]iod   
foll[+ ! demobilization date = su*      
eligible milit>y s]vice22 &  7#c7 by    
ins]t+ aft] clause 7iii7 ! foll[+3  7iv7
 n 9 excess ( #ahj days aft] ! effective
 movem5t date li/$ on ! milit>y ord]s ( 
a borr[]'s sp\se if t sp\se is a memb] (
 ! ,arm$ ,=ces :o has receiv$ milit>y   
ord]s = a p]man5t *ange ( /ation2 or  4 
7b7  ,direct ,loans  ,section           
#dee7;f77#b7 7#bj ,u4,s4,c4             
#ajhg;e7f77#b77 is am5d$--  7#a7 by     
r$esignat+ subp>agraph 7,d7 z           
subp>agraph 7,e72  7#b7 9 subp>agraph   
7,c71 by /rik+ ! borr[]-- & all t foll[s

 ?r\gh describ$ 9 clause 7i7 or 7ii72 or
 & ins]t+ ! borr[] is p]=m+ eligible    
milit>y s]vice1 & = ! #ahj-;day p]iod   
foll[+ ! demobilization date = su*      
eligible milit>y s]vice2 &  7#c7 by     
ins]t+ aft] subp>agraph 7,c7 ! foll[+3  
7,d7 any p]iod n 9 excess ( #ahj days   
aft] ! effective movem5t date li/$ on ! 
milit>y ord]s ( a borr[]'s sp\se if t   
sp\se is a memb] ( ! ,arm$ ,=ces :o has 
receiv$ milit>y ord]s = a p]man5t *ange 
( /ation2 or  4  7c7  ,f$]al ,p]k9s     
,loans  7#a7 ,section #dfd7;c77#b77;,a7 
7#bj ,u4,s4,c4 #ajhg;dd7c77#b77;,a77 is 
am5d$--  7,a7 by r$esignat+ clauses 7iv7
 & 7v7 z clauses 7v7 & 7vi71            
respectively2  7,b7 9 clause 7iii71 by  
/rik+ ! borr[]-- & all t foll[s ?r\gh   
describ$ 9 subclause 7,i7 or 7,,ii72 &  
ins]t+ dur+ :i* ! borr[] is p]=m+       
eligible milit>y s]vice1 & = ! #ahj-;day
 p]iod foll[+ ! demobilization date =   
su* eligible milit>y s]vice22 &  7,c7 by
 ins]t+ aft] clause 7iii7 ! foll[+3     
7iv7 n 9 excess ( #ahj days aft] !      

effective movem5t date li/$ on ! milit>y
 ord]s ( a borr[]'s sp\se if t sp\se is 
a memb] ( ! ,arm$ ,=ces :o has receiv$  
milit>y ord]s = a p]man5t *ange (       
/ation2 or  4  7#b7 ,section            
#dfe7;a77#b77;,d7 7#bj ,u4,s4,c4        
#ajhg;ee7a77#b77;,d77 is am5d$ by /rik+ 
qualifies = special pay "u section #caj 
( title #cg1 ,unit$ ,/ates ,code1 z an  
area ( ho/ilities & ins]t+ is eligible  
milit>y s]vice4  7d7  ,def9ition        
,section #dha7;d7 7#bj ,u4,s4,c4        
#ajhh7;d77 is am5d$-- 7#a7 by r$esignat+
 p>agraphs 7#b7 ?r\gh 7#e7 z p>agraphs  
7#c7 ?r\gh 7#f71 respectively2 &  7#b7  
by ins]t+ aft] p>agraph 7#a7 ! foll[+3  
7#b7 ,eligible milit>y s]vice ,! t]m    
eligible milit>y s]vice-- 7,a7 9 ! case 
( a memb] ( a regul> compon5t ( ! ,arm$ 
,=ces1 means full-"t duty 9 ! ,arm$     
,=ces1 o!r ?an active duty = tra9+ 7z   
def9$ 9 section #aja ( title #ch1 ,unit$
 ,/ates ,code72  7,b7 9 ! case ( a memb]
 ( ! res]ve compon5ts ( ! ,arm$ ,=ces1  
means s]vice on active duty "u a call or

 ord] to active duty "u section #fhh1   
#abcja7;a71 #abcja7;d71 #abcja7;g71     
#abcjb1 or #abcjd ( title #aj1 ,unit$   
,/ates ,code1 or section #gab ( title   
#ad1 ,unit$ ,/ates ,code2  7,c7 9 ! case
 ( a memb] ( ! ,army ,national ,gu>d ( !
 ,unit$ ,/ates or ,air ,national ,gu>d (
 ! ,unit$ ,/ates1 means1 9 addition to  
s]vice describ$ 9 subp>agraph 7,b71     
full-"t s]vice-- 7i7 9 ! ,national ,gu>d
 ( a ,/ate = ! purpose ( organiz+1      
adm9i/]+1 recruit+1 in/ruct+1 or tra9+ !
 ,national ,gu>d2 or  7ii7 9 ! ,national
 ,gu>d "u section #ejb7;f7 ( title #cb1 
,unit$ ,/ates ,code1 :5 au?oriz$ by !   
,presid5t or ! ,secret>y ( ,def5se = !  
purpose ( respond+ to a national em]g5cy
 decl>$ by ! ,presid5t & support$ by    
,f$]al funds2  7,d7 9 ! case ( a        
s]vicememb] :o is a commission$ (fic] ( 
! ,public ,heal? ,s]vice or ! ,national 
,oceanic & ,atmosph]ic ,adm9i/ration1   
active s]vice2 &  7,e7 does n include   
any p]iod dur+ :i* an individual-- 7i7 0
 assign$ full-"t by ! ,arm$ ,=ces to a  

civilian in/itution = a c\rse (         
education t 0 sub/antially ! same z     
e/abli%$ c\rses (f]$ to civilians2  7ii7
 s]ves z a cadet or mid%ipman at "o ( ! 
milit>y s]vice academies ( ! ,unit$     
,/ates2 or  7iii7 s]ves "u ! provisions 
( section #abajc7;d7 ( title #aj1 ,unit$
 ,/ates ,code1 pursuant to an enli/m5t 9
 ! ,army ,national ,gu>d or ! ,air      
,national ,gu>d1 or z a ,res]ve = s]vice
 9 ! ,army ,res]ve1 ,navy ,res]ve1 ,air 
,=ce ,res]ve1 ,m>9e ,corps ,res]ve1 or  
,coa/ ,gu>d ,res]ve4  4  #g4  ,public   
s]vice loan =giv5ess  ,section #dee7m7  
7#bj ,u4,s4,c4 #ajhg;e7m77 is am5d$--   
7#a7 by r$esignat+ p>agraphs 7#c7 & 7#d7
 z p>agraphs 7#d7 & 7#e71 respectively2 
&  7#b7 by ins]t+ aft] p>agraph 7#b7 !  
foll[+3  7#c7  ,lump sum paym5t  ,=     
purposes ( ?is subsection1 if a borr[]  
has enroll$ 9 a repaym5t plan describ$ 9
 p>agraph 7#a77;,a7 & makes a lump sum  
paym5t ?r\gh a /ud5t loan repaym5t      
program "u section #baga ( title #aj1   
,unit$ ,/ates ,code1 or a simil>ly      

/ructur$ eligible repaym5t program 7z   
det]m9$ by ! ,secret>y71 ! ,secret>y w  
treat ! borr[] z hav+ made a numb] (    
qualify+ paym5ts equal to ! less] (--   
7,a7 ! numb]1 r\nd$ to ! ne>e/ :ole     
numb]1 equal to ! quoti5t (--  7i7 su*  
lump sum paym5t2 divid$ by  7ii7 !      
mon?ly paym5t am\nt t ! borr[] w\ld h   
o!rwise made "u ! repaym5t plan describ$
 9 p>agraph 7#a77;,a7 select$ by !      
borr[]2 or  7,b7 #ab paym5ts4  4  #h4   
,accrual ( int]e/ = memb]s ( ! ,arm$    
,=ces subject to ho/ile fire or imm95t  
dang]  ,section #dee7o7 is am5d$--  7#a7
 by /rik+ p>agraph 7#a7 & ins]t+ !      
foll[+3  7#a7  ,9 ,g5]al  ,not)/&+ any  
o!r provision ( ?is "p & 9 accordance ) 
p>agraphs 7#b7 & 7#d71 ! ,secret>y %all 
n *>ge int]e/ on a loan made to a borr[]
 "u ?is "p = :i* ! fir/ disbursem5t is  
made on or aft] ,octob] #a1 #bjjh1 dur+ 
! p]iod 9 :i* a borr[] :o is p]=m+      
eligible milit>y s]vice 7z def9$ 9      
section #dha7;d77 is s]v+ 9 an area (   
ho/ilities 9 :i* s]vice qualifies =     

special pay "u section #caj ( title #cg1
 ,unit$ ,/ates ,code4  2  7#b7 by /rik+ 
p>agraph 7#c7 & ins]t+ ! foll[+3  7#c7  
,implem5tation ( accrual ( int]e/       
provision = memb]s ( ! ,arm$ ,=ces  7,a7
  ,9 ,g5]al  ,! ,secret>y %all ent] into
 any necess>y agreem5ts1 includ+        
agreem5ts ) ! ,commission] ( ,rev5ue & !
 ,secret>y ( ,def5se--  7i7 to ensure t 
int]e/ does n accrue = borr[]s describ$ 
9 p>agraph 7#a71 9 accordance ) ?is     
subsection2 &  7ii7 to obta9 or provide 
any in=mation necess>y to implem5t      
clause 7i7 )\t requir+ a reque/ f !     
borr[]4  7,b7  ,reports  7i7  ,plan  ,n 
lat] ?an #ij days aft] ! date ( !       
enactm5t ( ! ,s]vicememb] ,high]        
,education ,protection ,act1 ! ,secret>y
 %all submit to ! appropriate committees
 ( ,congress a report t includes a plan 
to implem5t ! accrual ( int]e/ provision
 describ$ 9 subp>agraph 7,a74  7ii7     
,foll[-up ,report  ,if ! ,secret>y has n
 implem5t$ ! accrual ( int]e/ provision 
describ$ 9 subp>agraph 7,a7 by ! date t 

is #a ye> aft] ! date ( enactm5t ( !    
,s]vicememb] ,high] ,education          
,protection ,act1 ! ,secret>y %all      
submit1 by su* date1 a report t includes
 an explanation ( :y su* provision has n
 be5 implem5t$ & a description ( any    
legislative *anges t are necess>y to    
all[ = ! implem5tation ( su* provision4 
2 &  7#c7 9 p>agraph 7#d71 by /rik+ :o  
qualifies z an eligible milit>y borr[]  
"u ?is subsection & ins]t+ describ$ 9   
p>agraph 7#a74  #i4  ,national ,/ud5t   
,loan ,data ,sy/em  7a7  ,am5dm5t to !  
,high] ,education ,act ( #aife          
,subsection 7h7 ( section #dhe;,b 7#bj  
,u4,s4,c4 #ajib;b7h77 is am5d$ to read z
 foll[s3  7h7  ,integration ( databases 
7#a7  ,9 ,g5]al  ,! ,secret>y %all      
integrate ! ,national ,/ud5t ,loan ,data
 ,sy/em ) ! ,f$]al ,pell ,grant         
applicant & recipi5t databases z (      
,janu>y #a1 #aiid1 & any o!r databases  
conta9+ in=mation on p>ticipation 9     
programs "u ?is title4  7#b7  ,dep>tm5t 
( ,def5se ,in=mation  7,a7  ,9 ,g5]al   

,9 ord] to incorporate ! milit>y &      
vet]an /atus ( borr[]s into ! ,national 
,/ud5t ,loan ,data ,sy/em1 ! ,secret>y  
%all integrate ! ,national ,/ud5t ,loan 
,data ,sy/em ) in=mation f--  7i7 !     
,dep>tm5t ( ,def5se1 includ+ ! ,def5se  
,manp[] ,data ,c5t]2 &  7ii7 ! ,dep>tm5t
 ( ,vet]ans ,affairs1 includ+ data ab\t 
vet]ans :o are eligible = educational   
assi/ance "u laws adm9i/]$ by !         
,secret>y ( ,vet]ans ,affairs4  7,b7    
,memor&a ( und]/&+  ,! ,secret>y %all   
ent] into any memor&a ( und]/&+ or o!r  
agreem5ts t are necess>y to c>ry out ?is
 p>agraph4  4  7b7  ,reports  7#a7      
,plan  ,n lat] ?an #ij days aft] ! date 
( ! enactm5t ( ?is ,act1 ! ,secret>y (  
,education %all submit to ! appropriate 
committees ( ,congress a report t       
includes a plan to implem5t ! ,dep>tm5t 
( ,def5se data integration provision    
describ$ "u section #dhe;,b7h77#b7 ( !  
,high] ,education ,act ( #aife1 z am5d$ 
by ?is section4  7#b7  ,foll[-up ,report
  ,if ! ,secret>y ( ,education has n    

implem5t$ ! ,dep>tm5t ( ,def5se data    
integration provision describ$ "u       
section #dhe;,b7h77#b7 ( ! ,high]       
,education ,act ( #aife1 z am5d$ by ?is 
section1 by ! date t is #a ye> aft] !   
date ( enactm5t ( ?is ,act1 ! ,secret>y 
( ,education %all submit1 by su* date1 a
 report t includes an explanation ( :y  
su* provision has n be5 implem5t$ & a   
description ( any legislative *anges t  
are necess>y to all[ = ! implem5tation (
 su* provision4  #aj4  ,program         
p>ticipation agreem5ts  ,section        
#dhg7;a7 is am5d$ by add+ at ! end !    
foll[+3  7#cj7 ,9 ! case ( an in/itution
 t enrolls dur+ an academic ye> m ?an   
#ajj /ud5ts :o are vet]ans1 ! in/itution
 %all c]tify t ! in/itution has develop$
 & implem5t$ a plan to ensure ! success 
( vet]ans at t in/itution4 ,to ! ext5t  
practicable1 ! in/itution %all make !   
plan1 & associat$ policies1 public &    
accessible to /ud5ts :o are vet]ans4    
,su* plan %all include ! foll[+3  7,a7  
,! designation ( c]ta9 faculty or /aff  

at ! in/itution :o w s]ve z a po9t (    
contact = vet]ans--  7i7 )9 campus      
(fices1 includ+ ! admissions (fice2 &   
7ii7 dur+ any ori5tation process = newly
 enroll$ /ud5ts4  7,b7 ,! e/abli%m5t ( a
 work+ gr\p t w be responsible =        
vet]ans' issues4  7,c7 ,a description ( 
disability s]vices t are available to   
meet ! ne$s ( disabl$ /ud5ts :o are     
vet]ans4  7,d7 ,a plan = h[ ! in/itution
 w id5tify /ud5ts :o are vet]ans ?r\gh !
 application process1 or ?r\gh o!r      
processes1 to provide bett] assi/ance 9 
! receipt ( educational assi/ance "u    
laws adm9i/]$ by ! ,secret>y ( ,vet]ans 
,affairs or ! ,secret>y ( ,def5se4  7,e7
 ,a description ( h[ ! in/itution w     
evaluate & maximize ! numb] ( cr$its    
/ud5ts c receive f milit>y tra9+ &      
s]vice4  4  #aa4  ,ext5d+ ! protections 
= /ud5t loans = active duty borr[]s     
,section #dic;,d 7#bj ,u4,s4,c4 #ajih;f7
 is am5d$--  7#a7 9 ! section head+1 by 
ins]t+ & protections = active duty      
borr[]s be=e ! p]iod at ! end2  7#b7 by 

r$esignat+ subsection 7b7 z subsection  
7c72 &  7#c7 by ins]t+ aft] subsection  
7a7 ! foll[+3  7b7  ,use ( in=mation    
7#a7  ,9 g5]al  ,! ,secret>y %all       
utilize in=mation ! ,secret>y receives  
reg>d+ ! active duty /atus ( borr[]s f !
 ,secret>y ( ,def5se = any purpose "u   
?is title to ensure t ! int]e/ rate *>g$
 on any loan made "u "p ,d ( title ,,iv 
= borr[]s :o are subject to section     
#bjg7;a77#a7 ( ! ,s]vicememb]s ,civil   
,relief ,act 7#ej ,u4,s4,c4 ,app4       
#ebg7;a77#a77 does n exce$ ! maximum    
int]e/ rate set =? 9 su* section4  7#b7 
,,scra int]e/ rate limitation notice    
requirem5ts  ,! submittal by ! ,secret>y
 ( ,def5se to ! ,secret>y ( ,education (
 in=mation t in=ms ! ,secret>y (        
,education t an individual ) a /ud5t    
loan "u "p ,d ( title ,,iv has be5 or is
 be+ call$ to milit>y s]vice 7z def9$ 9 
section #aja ( ! ,s]vicememb]s ,civil   
,relief ,act 7#ej ,u4,s4,c4 #eaa77 %all 
be consid]$1 = purposes ( subject+ su*  
/ud5t loan to ! provisions ( section    

#bjg ( ! ,s]vicememb]s ,civil ,relief   
,act 7#ej ,u4,s4,c4 ,app4 #ebg71        
provision by ! borr[] to ! cr$itor (    
writt5 notice & a copy ( milit>y ord]s z
 describ$ 9 subsection 7b77#a7 ( su*    
section4  7#c7  ,proc$ures  ,n lat] ?an 
#ahj days aft] ! date ( enactm5t ( !    
,s]vicememb] ,high] ,education          
,protection ,act1 ! ,secret>y1 9        
consultation ) ! ,dep>tm5t ( ,def5se1   
%all e/abli% a proc$ure to implem5t ?is 
subsection4  4  #ab4  ,modification (   
limitation on rate ( int]e/ on /ud5t    
loans dur+ & imm$iately aft] p]iod (    
milit>y s]vice  7a7  ,ext5sion ( p]iod (
 applicability ( limitation on rate (   
int]e/ on /ud5t loans incurr$ be=e      
s]vice  ,section #bjg7;a77#a7 ( !       
,s]vicememb]s ,civil ,relief ,act 7#ej  
,u4,s4,c4 ,app4 #ebg7;a77#a77 is am5d$--
  7#a7 9 subp>agraph 7,a71 by ins]t+ or 
a /ud5t loan aft] nature ( a mortgage2 &
  7#b7 9 ! p>agraph head+1 by ins]t+ on 
debt incurr$ be=e s]vice aft]           
,limitation to #f p]c5t4  7b7  ,debt    

ent]$ into dur+ milit>y s]vice ,to      
consolidate or ref9ance /ud5t loans     
incurr$ be=e milit>y s]vice  ,subsection
 7a7 ( section #bjg ( su* ,act 7#ej     
,u4,s4,c4 ,app4 #ebg7 is am5d$--  7#a7  
by r$esignat+ p>agraphs 7#b7 & 7#c7 z   
p>agraphs 7#c7 & 7#d71 respectively2    
7#b7 by ins]t+ aft] p>agraph 7#a7 !     
foll[+ new p>agraph 7#b73  7#b7         
,limitation to #f p]c5t on debt incurr$ 
dur+ s]vice to consolidate or ref9ance  
/ud5t loans incurr$ be=e s]vice  ,an    
obligation or liability be>+ int]e/ at a
 rate 9 excess ( #f p]c5t p] ye> t is   
incurr$ by a s]vicememb]1 or !          
s]vicememb] & ! s]vicememb]'s sp\se     
jo9tly1 dur+ milit>y s]vice to          
consolidate or ref9ance "o or m /ud5t   
loans incurr$ by ! s]vicememb] be=e su* 
milit>y s]vice %all n be> an int]e/ at a
 rate 9 excess ( #f p]c5t dur+ ! p]iod (
 milit>y s]vice & "o ye> !reaft]4  2    
7#c7 9 p>agraph 7#c71 z r$esignat$ by   
p>agraph 7#a7 ( ?is subsection1 by      
ins]t+ or 7#b7 aft] p>agraph 7#a72 &    

7#d7 9 p>agraph 7#d71 z s r$esignat$1 by
 /rik+ p>agraph 7#b7 & ins]t+ p>agraph  
7#c74  7c7  ,implem5tation ( limitation 
,subsection 7b7 ( su* section is am5d$--
  7#a7 9 p>agraph 7#a71 by /rik+ !      
int]e/ rate limitation 9 subsection 7a7 
& ins]t+ an int]e/ rate limitation 9    
p>agraph 7#a7 or 7#b7 ( subsection 7a72 
&  7#b7 9 p>agraph 7#b7--  7,a7 9 !     
p>agraph head+1 by /rik+ z ( date ( ord]
 to active duty2 &  7,b7 by ins]t+ be=e 
! p]iod at ! end ! foll[+3 9 ! case ( an
 obligation or liability cov]$ by       
subsection 7a77#a71 or z ( ! date !     
s]vicememb] 7or s]vicememb] & sp\se     
jo9tly7 incurs ! obligation or liability
 conc]n$ "u subsection 7a77#b74  7d7    
,/ud5t loan def9$  ,subsection 7d7 ( su*
 section is am5d$ by add+ at ! end !    
foll[+ new p>agraph3  7#c7  ,/ud5t loan 
,! t]m /ud5t loan means ! foll[+3  7,a7 
,a ,f$]al /ud5t loan made1 insur$1 or   
gu>ante$ "u title ,,iv ( ! ,high]       
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajgj et seq474  7,b7 ,a private /ud5t  

loan z t t]m is def9$ 9 section #adj7;a7
 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4  
#afej7;a774  4  #ac4  ,work+ gr\p on    
improvem5t ( res\rces available to      
memb]s ( ! ,arm$ ,=ces & _! sp\ses 9 us+
 tuition assi/ance programs ( !         
,dep>tm5t ( ,def5se  7a7  ,work+ gr\p   
requir$  ,! ,secret>y ( ,def5se1 !      
,secret>y ( ,education1 ! ,secret>y (   
,vet]ans ,affairs1 & ! ,director ( !    
,bureau ( ,consum] ,f9ancial ,protection
 %all jo9tly1 & 9 consultation ) ! heads
 ( su* o!r dep>tm5ts & ag5cies ( !      
,f$]al ,gov]nm5t z su* (ficials consid] 
appropriate1 e/abli% & ma9ta9 a work+   
gr\p to assess & improve ! res\rces     
available to education s]vice (fic]s &  
o!r p]sonnel ( ! ,f$]al ,gov]nm5t :o    
provide assi/ance to memb]s ( ! ,arm$   
,=ces & _! sp\ses 9 us+ or seek+ to use 
! tuition assi/ance programs ( !        
,dep>tm5t ( ,def5se4  7b7  ,res\rces  ,9
 improv+ res\rces z describ$ 9          
subsection 7a71 ! work+ gr\p %all       
provide = ! inclusion ( ! foll[+ 9 su*  

res\rces3  7#a7 ,in=mation on ! b5efits 
& protections = memb]s ( ! ,arm$ ,=ces &
 _! dep5d5ts provid$ 9 ?is ,act & !     
am5dm5ts made by ?is ,act4  7#b7        
,consum] in=mation1 res\rces1 & tools   
creat$ & ma9ta9$ by ! work+ gr\p        
pursuant to ?is section4  7#c7          
,in=mation on ! availability ( consum]  
protection measures1 includ+ ! compla9t 
sy/em e/abli%$ pursuant to ,executive   
,ord] #acfjg 7#gg ,f$4 ,reg4 #behfa2    
relat+ to e/abli%+ pr9ciples ( excell5ce
 = educational in/itutions s]v+         
s]vicememb]s1 vet]ans1 sp\ses1 & o!r    
family memb]s74  7#d7 ,su* o!r in=mation
 or res\rces z ! work+ gr\p consid]s    
appropriate4  #ad4 ,exception =         
,s]vicememb]s ,civil ,relief ,act       
,section #dbh7;d7 7#bj ,u4,s4,c4        
#ajgh7;d77 is am5d$ by /rik+ 8section   
#bjg ( ! ,s]vicememb]s ,civil ,relief   
,act 7#ej ,u4,s4,c4 ,app4 #ebg70 &      
ins]t+ 8! ,s]vicememb]s ,civil ,relief  
,act 7#ej ,u4,s4,c4 ,app4 #eja et       
seq4704