,i  #aadth ,,congress  #b;d ,session    
,h4 ,r4 #edha  ,,in ,,the ,,house ,,of  
,,representatives  ,june #ad1 #bjaf ,mr4
 ,salmon 7for himself and ,mr4          
,grothman7 introduced the following     
bill2 which was referred to the         
,committee on ,education and the        
,workforce  ,a ,,bill  ,to amend the    
,higher ,education ,act of #aife to     
authorize institutions of higher        
education to provide additional loan    
counseling1 and for other purposes4  #a4
 ,short title ,this ,act may be cited as
 the ,ensure ,responsible ,borrowing    
,act4  #b4 ,entrance counseling for     
borrowers ,section #dhe7l7 of the       
,higher ,education ,act of #aife 7#bj   
,u4,s4,c4 #ajib7l77 is amended by adding
 at the end the following3  7#c7        
,additional counseling ,in addition to  
the entrance counseling under paragraph 
7#a71 an eligible institution may       
require any borrower1 at or prior to the
 time of a disbursement to the borrower 
of a loan made under part ,d 7other than

 a ,federal ,direct ,consolidation ,loan
 or a ,federal ,direct ,,plus loan made 
on behalf of a student71 to receive the 
information described in paragraph 7#b7 
with respect to such loan1 or any other 
financial counseling1 including         
financial literacy counseling4  7#d7    
,annual loan acceptance ,prior to making
 the first disbursement of a loan made  
under part ,d 7other than a ,federal    
,direct ,consolidation ,loan7 to a      
borrower for an award year1 an eligible 
institution1 shall ensure that after    
receiving the applicable counseling     
under paragraph 7#b7 or 7#c71 the       
borrower accepts the loan for such award
 year by--  7,a7 signing the master     
promissory note for the loan2  7,b7     
signing and returning to the institution
 a separate written statement that      
affirmatively states that the borrower  
accepts the loan2 or  7,c7              
electronically signing an electronic    
version of the statement described in   
subparagraph 7,b74  4