,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #ceed  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #bh1 #bjag,ms4  
,bonamici 7= h]self1 ,mr4 ,co/ello (    
,p5nsylvania1 ,mr4 ,m\lton1 & ,mr4      
,meehan7 introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,education & !
 ,work=ce1 & 9 addition to ! ,committee 
on ,ways & ,means1 = a p]iod to be      
subsequ5tly det]m9$ by ! ,speak]1 9 ea* 
case = consid]ation ( su* provisions z  
fall )9 ! jurisdiction ( ! committee    
conc]n$  ,a ,,bill  ,to am5d ! ,high]   
,education ,act ( #aife to provide = !  
automatic rec]tification ( income =     
income-driv5 repaym5t plans1 & = o!r    
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,/reaml9+ ,income-driv51   
,manageable ,paym5ts on ,loans =        
,education ,act or ! ,,simple ,act4  #b4
 ,automatic income monitor+ proc$ures   
aft] a total & p]man5t disability       
dis*>ge ,section #dcg7;a7 ( ! ,high]    
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajhg7;a77 is am5d$ by add+ at ! end !  

foll[+3  7#c7 ,automatic income monitor+
  7,a7 ,9 g5]al ,n lat] ?an #b ye>s aft]
 ! date ( enactm5t ( ! ,/reaml9+        
,income-driv51 ,manageable ,paym5ts on  
,loans = ,education ,act1 ! ,secret>y   
%all e/abli% & implem5t1 ) respect to   
any borr[] describ$ 9 subp>agraph 7,b71 
proc$ures to--  7i7 obta9 7= ea* ye> ( !
 income-monitor+ p]iod describ$ 9       
subp>agraph 7,b7 & )\t fur!r action by !
 borr[]7 su* in=mation z is reasonably  
necess>y reg>d+ ! income ( su* borr[] 7&
 ! borr[]'s sp\se1 if applicable7 = !   
purpose ( det]m9+ ! borr[]'s cont9u$    
eligibility = ! loan dis*>ge describ$ 9 
subp>agraph 7,b7 = su* ye>1 & any o!r   
in=mation necess>y to det]m9e su*       
cont9u$ eligibility ( ! borr[] = su*    
ye>1 except t--  7,i7 9 ! case ( a      
borr[] ^: returns & return in=mation    
indicate t ! borr[] has no e>n$ income =
 any ye> ( su* income-monitor+ p]iod1   
su* borr[] %all be treat$ z n hav+ e>n$ 
income 9 excess ( ! pov]ty l9e = su*    
ye>2 &  7,,ii7 ?is clause %all be       

subject to clause 7ii72  7ii7 all[ !    
borr[]1 at any "t1 to opt out ( clause  
7i7 & prev5t ! ,secret>y f obta9+       
in=mation "u su* clause )\t fur!r action
 by ! borr[]2 &  7iii7 provide ! borr[] 
) an opportunity to update ! in=mation  
obta9$ "u clause 7i7 be=e ! det]m9ation 
( ! borr[]'s cont9u$ eligibility = su*  
loan dis*>ge = su* ye>4  7,b7           
,applicability ,subp>agraph 7,a7 %all   
apply-- 7i7 to ea* borr[] ( a cov]$ loan
 7def9$ 9 section #dee7;d77#h77 t is    
dis*>g$ "u ?is subsection or section    
#dfd7;c77#a77;,f7 due to ! p]man5t &    
total disability ( ! borr[]2 &  7ii7    
dur+ ! income-monitor+ p]iod "u ?is     
subsection1 def9$ 9 ?is p>agraph z !    
p]iod-- 7,i7 beg9n+ on ! date on :i* su*
 loan is s dis*>g$2 &  7,,ii7 dur+ :i* !
 ,secret>y det]m9es :e!r a re9/atem5t ( 
! obligation (1 & resumption (          
collection on1 su* loan may be necess>y4
  7,c7 ,availability ( returns & return 
in=mation ,returns & return in=mation   
may be obta9$ "u subp>agraph 7,a77i7    

only to ! ext5t au?oriz$ by section     
#fajc7l77#ac7 ( ! ,int]nal ,rev5ue ,code
 ( #aihf4  7,d7 ,def9ition ,9 ?is       
p>agraph1 ! t]m returns & return        
in=mation has ! mean+ giv5 ! t]m 9      
section #fajc ( ! ,int]nal ,rev5ue ,code
 ( #aihf4  4  #c4 ,notification &       
automatic enrollm5t proc$ures = borr[]s 
:o are del9qu5t on loans & = borr[]s :o 
rehabilitat$ default$ loans  7a7        
,am5dm5ts  7#a7 ,notification &         
automatic enrollm5t proc$ures ,section  
#dee7;d7 ( ! ,high] ,education ,act (   
#aife 7#bj ,u4,s4,c4 #ajhg;e7d77 is     
am5d$ by add+ at ! end ! foll[+3  7#f7  
,notification & automatic enrollm5t     
proc$ures = borr[]s :o are del9qu5t on  
loans  7,a7 ,au?ority to obta9 income   
in=mation  7i7 ,9 g5]al ,9 ! case ( any 
borr[] :o is at lea/ #fj days del9qu5t  
on a cov]$ loan1 ! ,secret>y may obta9  
su* in=mation z is reasonably necess>y  
reg>d+ ! income & family size ( ! borr[]
 7& ! borr[]'s sp\se1 if applicable74   
7ii7 ,availability ( returns & return   

in=mation ,returns & return in=mation 7z
 def9$ 9 section #fajc ( ! ,int]nal     
,rev5ue ,code ( #aihf7 may be obta9$ "u 
?is subp>agraph only to ! ext5t au?oriz$
 by section #fajc7l77#ac7 ( su* ,code4  
7,b7 ,borr[] notification ,) respect to 
ea* borr[] ( a cov]$ loan :o is at lea/ 
#fj days del9qu5t on su* loan & :o has n
 be5 subject to ! proc$ures "u ?is      
p>agraph = su* loan 9 ! prec$+ #abj     
days1 ! ,secret>y %all1 z soon z        
practicable aft] su* #fj-;day del9qu5cy1
 provide to ! borr[] ! foll[+3  7i7     
,notification t ! borr[] is at lea/ #fj 
days del9qu5t on at lea/ #a cov]$ loan1 
& a description ( all del9qu5t cov]$    
loans1 nondel9qu5t cov]$ loans1 &       
noncov]$ loans ( ! borr[]4  7ii7 ,a     
brief description ( ! repaym5t plans =  
:i* ! borr[] is eligible & ! cov]$ loans
 & noncov]$ loans ( ! borr[] t may be   
eligible = su* plans1 bas$ on in=mation 
available to ! ,secret>y4  7iii7 ,cle> &
 simple in/ructions on h[ to select !   
repaym5t plans4  7iv7 ,! am\nt ( mon?ly 

paym5ts = ! cov]$ & noncov]$ loans "u ! 
repaym5t plans = :i* ! borr[] is        
eligible1 bas$ on in=mation available to
 ! ,secret>y1 includ+1 if ! income      
in=mation ( ! borr[] is available to !  
,secret>y "u subp>agraph 7,a7--  7,i7 ! 
am\nt ( ! mon?ly paym5t "u ea*          
income-driv5 repaym5t plan = :i* !      
borr[] is eligible = ! borr[]'s cov]$ & 
noncov]$ loans1 bas$ on su* income      
in=mation2 &  7,,ii7 ! income1 family   
size1 tax fil+ /atus1 & tax ye>         
in=mation on :i* ea* mon?ly paym5t is   
bas$4  7v7 ,an explanation t 9 ! case ( 
a borr[] = :om adju/$ gross income is   
unavailable-- 7,i7 if ! borr[] selects  
to repay ! cov]$ loans ( su* borr[]     
pursuant to an income-driv5 repaym5t    
plan t def9es discretion>y income 9 su* 
a mann] t an individual n requir$ "u    
section #fjab7;a77#a7 ( ! ,int]nal      
,rev5ue ,code ( #aihf to file a return )
 respect to income taxes impos$ by      
subtitle ,a ( su* ,code may h a         
calculat$ mon?ly paym5t great] ?an #j1 !

 borr[] w be requir$ to provide !       
,secret>y ) o!r docum5tation ( income   
satisfactory to ! ,secret>y1 :i*        
docum5tation ! ,secret>y may use to     
det]m9e an appropriate repaym5t s*$ule2 
&  7,,ii7 if ! borr[] selects to repay  
su* loans pursuant to an income-driv5   
repaym5t plan t is n describ$ 9         
subclause 7,i71 ! borr[] w n be requir$ 
to provide ! ,secret>y ) su* o!r        
docum5tation ( income1 & ! borr[] w h a 
calculat$ mon?ly paym5t ( #j4  7vi7 ,an 
explanation t ! ,secret>y %all take !   
actions "u subp>agraph 7,c7 ) respect to
 su* borr[]1 if--  7,i7 ! borr[] is #abj
 days del9qu5t on "o or m cov]$ loans & 
has n select$ a new repaym5t plan = !   
cov]$ loans ( ! borr[]2 &  7,,ii7 9 !   
case ( su* a borr[] ^: repaym5t plan = !
 cov]$ loans ( ! borr[] is n an         
income-driv5 repaym5t plan1 ! mon?ly    
paym5ts "u su* repaym5t plan are high]  
?an su* mon?ly paym5ts w\ld be "u an    
income-driv5 repaym5t plan = su* loans4 
7vii7 ,in/ructions on updat+ ! in=mation

 ( ! borr[] obta9$ "u subp>agraph 7,a74 
7,c7 ,secret>y's initial selection (    
plan ,) respect to ea* borr[] describ$ 9
 subp>agraph 7,b7 :o has a repaym5t plan
 = ! cov]$ loans ( ! borr[] t meets !   
requirem5ts ( clause 7vi77,,ii7 (       
subp>agraph 7,b7 & has n select$ a new  
repaym5t plan = su* loans 9 accordance )
 ! notice receiv$ "u su* subp>agraph1 & 
:o is at lea/ #abj days del9qu5t on su* 
a loan1 ! ,secret>y %all1 z soon z      
practicable--  7i7 9 a case 9 :i* any ( 
! borr[]'s cov]$ loans are eligible = an
 income-driv5 repaym5t plan--  7,i7     
7aa7 provide ! borr[] ) ! income-driv5  
repaym5t plan t requires ! l[e/ mon?ly  
paym5t am\nt = ea* cov]$ loan ( !       
borr[]1 comp>$ to any o!r su* plan = :i*
 ! borr[] is eligible2 or  7bb7 if m ?an
 "o income-driv5 repaym5t plan w\ld (f] 
! borr[] ! same l[e/ mon?ly paym5t      
am\nt1 provide ! borr[] ) ! income-driv5
 repaym5t plan t has ! mo/ favorable    
t]ms = ! borr[]2  7,,ii7 if ! plan      
select$ "u subclause 7,i7 is n !        

income-driv5 repaym5t plan t w\ld h !   
l[e/ mon?ly paym5t am\nt if ! borr[] 7  
eligible = su* plan = ! borr[]'s cov]$  
loans & noncov]$ loans1 notify ! borr[] 
( ! actions1 if any1 ! borr[] may take  
to become eligible = su* income-driv5   
repaym5t plan2 &  7,,iii7 au?orize !    
borr[] to *ange ! ,secret>y's selection 
( a plan "u ?is clause to any plan      
describ$ 9 p>agraph 7#a7 = :i* ! borr[] 
is eligible2 &  7ii7 9 a case 9 :i* none
 ( ! borr[]'s cov]$ loans are eligible =
 an income-driv5 repaym5t plan1 notify !
 borr[] ( ! actions1 if any1 ! borr[]   
may take = su* loans to become eligible 
= su* a plan4  7,d7 ,secret>y's         
additional selection ( plan  7i7 ,9     
g5]al ,) respect to ea* borr[] ( a cov]$
 loan :o selects a new repaym5t plan 9  
accordance ) ! notice receiv$ "u        
subp>agraph 7,b7 & :o cont9ues to be    
del9qu5t on su* loan = a p]iod describ$ 
9 clause 7ii71 ! ,secret>y %all1 z soon 
z practicable aft] su* p]iod1 c>ry out !
 proc$ures describ$ 9 clauses 7i7 & 7ii7

 ( subp>agraph 7,c7 = ! cov]$ loans ( ! 
borr[]1 if su* proc$ures w\ld result 9  
l[] mon?ly repaym5t am\nts on su* loan4 
7ii7 ,description ( p]iod ,! duration ( 
! p]iod describ$ 9 clause 7i7 %all be ! 
am\nt ( "t t ! ,secret>y det]m9es is    
suffici5t to indicate t ! borr[] may    
b5efit f repay+ su* loan "u a new       
repaym5t plan1 b 9 no case %all su*     
p]iod be less ?an #fj days4  7,e7       
,opt-out ,a borr[] ( a cov]$ loan %all h
 ! "r to opt out ( ! proc$ures "u ?is   
p>agraph4  7,f7 ,proc$ures ,! ,secret>y 
%all e/abli% proc$ures z are necess>y to
 effectively implem5t ?is p>agraph4     
7#g7 ,notification & automatic enrollm5t
 proc$ures = borr[]s :o are rehabilitat+
 default$ loans  7,a7 ,au?ority to obta9
 income in=mation  7i7 ,9 g5]al ,9 !    
case ( any borr[] :o is rehabilitat+ a  
cov]$ loan pursuant to section          
#dbh;,f7a71 ! ,secret>y may obta9 su*   
in=mation z is reasonably necess>y      
reg>d+ ! income & family size ( ! borr[]
 7& ! borr[]'s sp\se1 if applicable74   

7ii7 ,availability ( returns & return   
in=mation ,returns & return in=mation 7z
 def9$ 9 section #fajc ( ! ,int]nal     
,rev5ue ,code ( #aihf7 may be obta9$ "u 
?is subp>agraph only to ! ext5t au?oriz$
 by section #fajc7l77#ac7 ( su* ,code4  
7,b7 ,borr[] notification ,n lat] ?an   
#cj days aft] a borr[] makes ! #f?      
paym5t requir$ = ! loan rehabilitation  
describ$ 9 subp>agraph 7,a71 ! ,secret>y
 %all notify ! borr[] ( ! process "u    
subp>agraph 7,c7 ) respect to su* loan4 
7,c7 ,secret>y's selection ( plan ,)    
respect to ea* borr[] :o has made ! #i? 
paym5t requir$ = ! loan rehabilitation  
describ$ 9 subp>agraph 7,a71 ! ,secret>y
 %all1 z soon z practicable aft] su*    
paym5t--  7i7 9 a case 9 :i* any ( !    
borr[]'s cov]$ loans1 )\t reg>d to :e!r 
! loan has be5 s rehabilitat$1 is       
eligible = an income-driv5 repaym5t     
plan--  7,i7  7aa7 provide ! borr[] ) ! 
income-driv5 repaym5t plan t requires ! 
l[e/ mon?ly paym5t am\nt = ea* cov]$    
loan ( ! borr[]1 comp>$ to any o!r su*  

plan = :i* ! borr[] is eligible2 or     
7bb7 if m ?an "o income-driv5 repaym5t  
plan w\ld (f] ! borr[] ! same l[e/      
mon?ly paym5t am\nt1 provide ! borr[] ) 
! income-driv5 repaym5t plan t has ! mo/
 favorable t]ms = ! borr[]2 &  7,,ii7 if
 ! plan select$ "u subclause 7,i7 is n !
 income-driv5 repaym5t plan t w\ld h !  
l[e/ mon?ly paym5t am\nt if ! borr[] 7  
eligible = su* plan = ! borr[]'s cov]$  
loans & noncov]$ loans1 notify ! borr[] 
( ! actions1 if any1 ! borr[] may take  
to become eligible = su* income-driv5   
repaym5t plan2 &  7ii7 9 a case 9 :i*   
none ( ! borr[]'s cov]$ loans are       
eligible = an income-driv5 repaym5t     
plan1 notify ! borr[] ( ! actions1 if   
any1 ! borr[] may take = su* a loan to  
become eligible = su* a plan4  7,d7     
,opt-out ,a borr[] ( a cov]$ loan %all h
 ! "r to opt out ( ! proc$ures "u ?is   
p>agraph4  7,e7 ,proc$ures ,! ,secret>y 
%all e/abli% proc$ures z are necess>y to
 effectively implem5t ?is p>agraph4  4  
7#b7 ,def9itions ,section #dee7;d7 ( !  

,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajhg;e7d771 z am5d$ by       
p>agraph 7#a71 is fur!r am5d$ by add+ at
 ! end ! foll[+3  7#h7 ,def9itions ,9   
?is subsection3 7,a7 ,cov]$ loan ,! t]m 
cov]$ loan means--  7i7 a loan made "u  
?is "p2  7ii7 a loan pur*as$ "u section 
#dei;,a2 or  7iii7 a loan t has be5     
assign$ to ! ,secret>y "u section       
#dbh7;c77#h7 or "p ,e4  7,b7            
,income-driv5 repaym5t plan ,! t]m      
income-driv5 repaym5t plan means a plan 
describ$ 9 subp>agraph 7,d7 or 7,e7 (   
p>agraph 7#a74  7,c7 ,noncov]$ loan ,!  
t]m noncov]$ loan means a loan made1    
insur$1 or gu>ante$ "u ?is title t is n 
a cov]$ loan4  4  7#c7 ,*ang+ plans     
,section #dic;,c7b77#h7 ( ! ,high]      
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajih;e7b77#h77 is am5d$ to read z      
foll[s3  7#h7 a borr[] :o is repay+ a   
loan made1 insur$1 or gu>ante$ "u "p ,b 
or ,d pursuant to income-bas$ repaym5t  
may elect1 at any "t1 to t]m9ate        
repaym5t pursuant to income-bas$        

repaym5t & repay su* loan "u any        
repaym5t plan = :i* ! loan is eligible 9
 accordance ) ! requirem5ts ( "p ,b or  
"p ,d1 respectively2 &  4  7b7          
,effective date2 application  7#a7      
,automatic enrollm5t ,! am5dm5ts made by
 p>agraphs 7#a7 & 7#b7 ( subsection 7a7 
%all-- 7,a7 take effect z soon z !      
,secret>y ( ,education det]m9es         
practicable aft] ! ,secret>y f9alizes ! 
proc$ures "u section #e1 b n lat] ?an #b
 ye>s aft] ! date ( enactm5t ( ?is ,act2
 &  7,b7 apply to all borr[]s ( cov]$   
loans 7z def9$ 9 section #dee7;d77#h7 ( 
! ,high] ,education ,act ( #aife1 z add$
 by subsection 7a774  7#b7 ,*ang+ plans 
,! am5dm5t made by subsection 7a77#c7   
%all take effect on ! date ( enactm5t ( 
?is ,act4  #d4 ,automatic rec]tification
 ( income  7a7 ,income cont+5t repaym5t 
,section #dee7;e7 ( ! ,high] ,education 
,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7e77 
is am5d$--  7#a7 9 p>agraph 7#c7-- 7,a7 
by /rik+ does n reasonably reflect !    
borr[]'s curr5t income & ins]t+ ^:      

income has decreas$ relative to ! adju/$
 gross income available to ! ,secret>y2 
&  7,b7 by ins]t+ 1 consi/5t ) !        
proc$ures e/abli%$ "u p>agraph          
7#h77;,b77iv7 be=e ! p]iod at ! end2 &  
7#b7 by add+ at ! end ! foll[+3  7#h7   
,automatic rec]tification  7,a7         
,def9ition ,9 ?is p>agraph1 ! t]m cov]$ 
loan has ! mean+ giv5 ! t]m 9 subsection
 7d77#h74  7,b7 ,9 g5]al ,beg9n+ z soon 
z ! ,secret>y det]m9es practicable aft] 
! ,secret>y f9alizes ! proc$ures "u     
section #e ( ! ,/reaml9+ ,income-driv51 
,manageable ,paym5ts on ,loans =        
,education ,act1 b n lat] ?an #b ye>s   
aft] ! date ( enactm5t ( su* ,act1 !    
,secret>y %all e/abli% & implem5t1 )    
respect to any borr[] describ$ 9        
subp>agraph 7,c71 proc$ures to--  7i7   
obta9 7= ea* ye> ( repaym5t & )\t fur!r 
action by ! borr[]7 su* in=mation z is  
reasonably necess>y reg>d+ ! income (   
su* borr[] 7& ! borr[]'s sp\se1 if      
applicable71 = ! purpose ( det]m9+ !    
repaym5t obligation ( ! borr[] = su*    

ye>1 includ+ in=mation ) respect to !   
borr[]'s family size 9 accordance ) !   
proc$ures "u section #e ( ! ,/reaml9+   
,income-driv51 ,manageable ,paym5ts on  
,loans = ,education ,act1 subject to    
clause 7ii72  7ii7 all[ ! borr[]1 at any
 "t1 to opt out ( clause 7i7 & prev5t ! 
,secret>y f obta9+ in=mation "u su*     
clause )\t fur!r action by ! borr[]2    
7iii7 provide ! borr[] ) an opportunity 
to update ! in=mation obta9$ "u clause  
7i7 be=e ! det]m9ation ( ! annual       
repaym5t obligation ( ! borr[]2 &  7iv7 
9 ! case ( a borr[] = :om adju/$ gross  
income is unavailable-- 7,i7 if ! borr[]
 has select$ to repay ! cov]$ loans (   
su* borr[] pursuant to an income cont+5t
 repaym5t plan t def9es discretion>y    
income 9 su* a mann] t an individual n  
requir$ "u section #fjab7;a77#a7 ( !    
,int]nal ,rev5ue ,code ( #aihf to file a
 return ) respect to income taxes impos$
 by subtitle ,a ( su* ,code may h a     
calculat$ mon?ly paym5t great] ?an #j1 !
 borr[] w be requir$ to provide !       

,secret>y ) o!r docum5tation ( income   
satisfactory to ! ,secret>y1 :i*        
docum5tation ! ,secret>y may use to     
det]m9e an appropriate repaym5t s*$ule2 
or  7,,ii7 if ! borr[] has select$ to   
repay su* loans pursuant to an income   
cont+5t repaym5t t is n describ$ 9      
subclause 7,i71 ! borr[] w n be requir$ 
to provide ! ,secret>y ) su* o!r        
docum5tation ( income1 & ! borr[] w h a 
calculat$ mon?ly paym5t ( #j4  7,c7     
,applicability ,subp>agraph 7,b7 %all   
apply to ea* borr[] ( a cov]$ loan :o1  
on or aft] ! date on :i* ! ,secret>y    
e/abli%es proc$ures "u su* subp>agraph--
  7i7 selects1 or = :om ! ,secret>y     
selects "u subp>agraph 7,c7 or 7,d7 (   
p>agraph 7#f7 or p>agraph 7#g77;,c7 (   
subsection 7d71 or section #dbh7m77#a71 
an income cont+5t repaym5t plan2 or     
7ii7 rec]tifies income & family size "u 
su* plan4  7,d7 ,availability ( returns 
& return in=mation ,returns & return    
in=mation 7z def9$ 9 section #fajc ( !  
,int]nal ,rev5ue ,code ( #aihf7 may be  

obta9$ "u subp>agraph 7,b77i7 only to ! 
ext5t au?oriz$ by section #fajc7l77#ac7 
( su* ,code4  7,e7 ,o!r requirem5ts ,!  
proc$ures e/abli%$ by ! ,secret>y "u ?is
 p>agraph %all be consi/5t ) !          
requirem5ts ( p>agraphs 7#a7 ?r\gh 7#g71
 except z o!rwise provid$ 9 ?is         
p>agraph4  4  7b7 ,income-,bas$ repaym5t
 ,section #dic;,c7c7 ( ! ,high]         
,education ,act ( #aife 7#bj ,u4,s4,c4  
#ajih;e7c77 is am5d$-- 7#a7 by /rik+ ,! 
,secret>y %all e/abli% & ins]t+ !       
foll[+3  7#a7 ,9 g5]al ,! ,secret>y %all
 e/abli%  2  7#b7 by /rik+ ,! ,secret>y 
%all consid] & ins]t+ ! foll[+3  7#b7   
,proc$ures = eligibility ,! ,secret>y   
%all-- 7,a7 consid]  2 &  7#c7 by /rik+ 
#dbh;,c7b77#a77;,e74 & ins]t+ ! foll[+3 
#dbh;,c7b77#a77;,e72 & 7,b7 beg9n+ z    
soon z ! ,secret>y det]m9es practicable 
aft] ! ,secret>y f9alizes ! proc$ures "u
 section #e ( ! ,/reaml9+ ,income-driv51
 ,manageable ,paym5ts on ,loans =       
,education ,act1 b n lat] ?an #b ye>s   
aft] ! date ( enactm5t ( su* ,act1 c>ry 

out1 ) respect to borr[]s ( any cov]$   
loan 7z def9$ 9 section #dee7;d77#h771  
proc$ures = income-bas$ repaym5t plans t
 are equival5t to ! proc$ures c>ri$ out 
"u section #dee7;e77#h7 ) respect to    
income cont+5t repaym5t plans4  4  #e4  
,/udy & proc$ures on det]m9+ family size
  7a7 ,9 g5]al ,n lat] ?an #a ye> aft] !
 date ( enactm5t ( ?is ,act1 ! ,secret>y
 ( ,education %all-- 7#a7 jo9tly ) !    
,secret>y ( ! ,treasury1 conduct a /udy1
 :i* meets ! specifications describ$ 9  
subsection 7b71 on ! effect ( us+ data f
 ! ,int]nal ,rev5ue ,s]vice on !        
d$uction = p]sonal exemptions provid$ by
 section #aea ( ! ,int]nal ,rev5ue ,code
 ( #aihf = a proxy = family size 9 an   
income-driv5 repaym5t plan1 & publi% su*
 /udy 9 ! ,f$]al ,regi/]2  7#b7 use !   
results ( ! /udy conduct$ "u p>agraph   
7#a7 to develop proc$ures = det]m9+     
family size = ! automatic rec]tification
 ( income = an income-driv5 repaym5t    
plan 9 a mann] t m9imizes burd5s &      
un9t5d$ h>m to borr[]s2  7#c7 publi% !  

proc$ures develop$ "u p>agraph 7#b7 9 ! 
,f$]al ,regi/]2 &  7#d7 aft] a notice & 
comm5t p]iod on su* proc$ures1 use su*  
comm5ts to f9alize ! proc$ures4  7b7    
,specifications ,! /udy conduct$ "u     
subsection 7a77#a7 %all-- 7#a7 det]m9e  
h[ closely su* p]sonal exemptions mat* !
 family size t borr[]s report on _!     
income-driv5 repaym5t plan reque/ =m2   
7#b7 comp>e ! borr[]'s actual mon?ly    
paym5t am\nt ) ! mon?ly paym5t am\nt    
borr[]s w\ld h us+ family size in=mation
 d]iv$ f tax returns2 &  7#c7 use data f
 m ?an "o ye>1 :]e possible1 to analyze 
h[ mu* family size *anges ov] "t4  7c7  
,def9ition ,! t]m income-driv5 repaym5t 
plan has ! mean+ giv5 ! t]m 9 section   
#dee7;d77#h7 ( ! ,high] ,education ,act 
( #aife1 z am5d$ by ?is ,act4  #f4      
,disclosure ( tax return in=mation to   
c>ry out c]ta9 high] education loan     
programs  7a7 ,9 g5]al ,p>agraph 7#ac7 (
 section #fajc7l7 ( ! ,int]nal ,rev5ue  
,code ( #aihf is am5d$ to read z foll[s3
  7#ac7 ,disclosure ( returns & return  

in=mation = purposes ( /ud5t loan       
adm9i/ration  7,a7 ,9 g5]al ,!          
,secret>y1 subject to su* requirem5ts & 
conditions z ! ,secret>y may prescribe1 
%all ^u writt5 reque/ f ! ,secret>y (   
,education disclose to (fic]s &         
employees ( ! ,dep>tm5t ( ,education    
returns & return in=mation ) respect to 
a taxpay] :o has receiv$ an applicable  
/ud5t loan4  7,b7 ,re/riction on use (  
disclos$ in=mation ,return in=mation    
disclos$ "u subp>agraph 7,a7 may be us$ 
by (fic]s & employees ( ! ,dep>tm5t (   
,education only = ! purposes (1 & to !  
ext5t necess>y = purposes (--  7i7 c>ry+
 out income monitor+ "u section #dcg7;a7
 ( ! ,high] ,education ,act ( #aife 7#bj
 ,u4,s4,c4 #ajhg7;a771  7ii7 e/abli%+ ! 
appropriate income cont+5t repaym5t     
am\nt 9 connection ) an applicable /ud5t
 loan1  7iii7 e/abli%+ ! appropriate    
repaym5t am\nt "u an applicable         
income-driv5 repaym5t plan 7z def9$ 9   
section #dee7;d77#h7 ( su* ,act 7#bj    
,u4,s4,c4 #ajhg;e7d777 9 connection ) an

 applicable /ud5t loan =--  7,i7 borr[]s
 :o h select$ su* a plan1 &  7,,ii7 9 ! 
case ( any rec]tification "u section    
#dee7;e77#h7 or #dic;,c7c77#b77;,b7 ( ! 
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajhg;e7e72 #ajih;e7c771      
borr[]s :o are enroll$ 9 su* a plan1    
7iv7 9 ! case ( borr[]s :o are at lea/  
#fj days del9qu5t on an applicable /ud5t
 loan-- 7,i7 provid+ notice (           
eligibility = an income-driv5 repaym5t  
plan 7z s def9$7 pursuant to section    
#dee7;d77#f77;,b7 ( ! ,high] ,education 
,act ( #aife 7#bj ,u4,s4,c4 #ajhg;e7d771
 &  7,,ii7 automatic enrollm5t 9 su* an 
income-driv5 repaym5t plan aft] su*     
borr[]s are at lea/ #abj days del9qu5t  
on su* a loan pursuant to section       
#dee7;d77#f77;,c7 ( su* ,act 7#bj       
,u4,s4,c4 #ajhg;e7d771 &  7v7 9 ! case (
 borr[]s :o are rehabilitat+ default$   
loans1 provid+ notice ( eligibility = an
 income-driv5 repaym5t plan 7z s def9$7 
& automatic enrollm5t 9 su* a plan      
pursuant to section #dee7;d77#g7 ( !    

,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajhg;e7d774  7,c7 ,disclosure
 to c]ta9 contractors ,(fic]s &         
employees ( ! ,dep>tm5t ( ,education may
 disclose ! in=mation describ$ 9        
subp>agraph 7,a7 to p]sons aw>d$        
contracts by ! ,secret>y ( ,education "u
 section #def ( ! ,high] ,education ,act
 ( #aife 7#bj ,u4,s4,c4 #ajhg;f7 to !   
ext5t necess>y = ! purposes describ$ 9  
subp>agraph 7,b74  7,d7 ,sp\sal         
in=mation = m>ri$ individuals fil+      
sep>ate returns ,= purposes ( ?is       
p>agraph1 9 ! case ( a m>ri$ individual 
fil+ a sep>ate return1 ! t]m taxpay]    
includes ! sp\se ( t individual if !    
,secret>y ( ,education reque/s in=mation
 f ! sp\se ( t individual & ! individual
 & ! sp\se h cons5t$ 9 writ+4  7,e7     
,applicable /ud5t loan  7i7 ,9 g5]al ,= 
purposes ( ?is p>agraph1 ! t]m          
applicable /ud5t loan means-- 7,i7 any  
loan :i* is made1 insur$1 or gu>ante$ "u
 a program au?oriz$ "u "p ,b or ,d (    
title ,,iv ( ! ,high] ,education ,act ( 

#aife 7#bj ,u4,s4,c4 #ajga et seq42     
#ajhg;a et seq471 &  7,,ii7 any loan :i*
 is made "u "p ,e ( su* title ,,iv 7#bj 
,u4,s4,c4 #ajhg;aa et seq47 :i* is 9    
default & has be5 assign$ to ! ,dep>tm5t
 ( ,education4  7ii7 ,exception ,=      
purposes ( subp>agraph 7,b77iv71 ! t]m  
applicable /ud5t loan %all n include any
 loan made1 insur$1 or gu>ante$ "u "p ,b
 ( title ,,iv ( ! ,high] ,education ,act
 ( #aife 7#bj ,u4,s4,c4 #ajga et seq47  
unless su* loan is 9 default & has be5  
assign$ to ! ,dep>tm5t ( ,education4  4 
7b7 ,con=m+ am5dm5ts  7#a7 ,section     
#fajc7;a77#c7 ( su* ,code is am5d$ by   
ins]t+ 7#ac71 aft] 7#ab714  7#b7        
,section #fajc7p77#d7 ( su* ,code is    
am5d$ by ins]t+ 7#ac71 aft] 7l77#aj71   
ea* place x occurs4  7c7 ,effective date
 ,! am5dm5ts made by ?is section %all   
apply to disclosures made aft] ! date ( 
enactm5t ( ?is ,act4