,,ii  #aad? ,,congress  #a/ ,session    
,s4 #gha  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #ah1 #bjae ,mr4   
,donnelly 7= himself & ,mr4 ,scott7     
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,heal?1 ,education1 ,labor1 & ,p5sions  
,a ,,bill  ,to improve k ab\t ! be/     
practices = tea*+ f9ancial lit]acy1 & = 
o!r purposes4  #a4 ,%ort title  ,?is    
,act may be cit$ z ! ,emp[]+ ,/ud5t     
,borr[]s ,act4  #b4 ,be/ practices =    
tea*+ f9ancial lit]acy ,"p ,c ( title ,i
 ( ! ,high] ,education ,act ( #aife 7#bj
 ,u4,s4,c4 #ajae et seq47 is am5d$ by   
add+ at ! end ! foll[+3  #ach4 ,be/     
practices = tea*+ f9ancial lit]acy  7a7 
,be/ practices  7#a7 ,9 g5]al ,aft]     
solicit+ public comm5ts & consult+ ) &  
receiv+ input f relevant p>ties1 includ+
 a div]se set ( in/itutions ( high]     
education & o!r p>ties1 ! ,secret>y     
%all1 by n lat] ?an #a ye> aft] ! date (
 enactm5t ( ! ,emp[]+ ,/ud5t ,borr[]s   
,act1 e/abli% be/ practices =           

in/itutions ( high] education reg>d+    
me?ods to--  7,a7 tea* f9ancial lit]acy 
skills2 &  7,b7 provide useful &        
necess>y in=mation to assi/ /ud5ts at ! 
in/itutions ( high] education :5 mak+   
f9ancial decisions relat$ to /ud5t      
borr[+4  7#b7 ,be/ practices ,! be/     
practices describ$ 9 p>agraph 7#a7 %all 
include ! foll[+3 7,a7 ,me?ods to ensure
 t /ud5ts h a cle> s5se ( ! /ud5ts'     
total borr[+ obligations1 includ+ mon?ly
 paym5ts1 & repaym5t options4  7,b7 ,!  
mo/ effective ways to engage /ud5ts 9   
f9ancial lit]acy education1 includ+     
frequ5cy & tim+ ( communication )       
/ud5ts4  7,c7 ,in=mation on h[ to t>get 
diff]5t /ud5t populations1 includ+ "p-"t
 /ud5ts1 fir/-"t /ud5ts1 & o!r          
nontraditional /ud5ts4  7,d7 ,ways to   
cle>ly communicate ! importance (       
graduat+ on a /ud5t's ability to repay  
/ud5t loans4  7b7 ,ma9t5ance ( be/      
practices ,! ,secret>y %all ma9ta9 &    
p]iodically update ! be/ practices      
in=mation requir$ "u subsection 7a7 &   

make ! be/ practices available to !     
public4  4